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Hospitality and Liquor Liability Insurance

Surplus lines solutions for a wide range of hospitality industry classes.
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Creative Liability Solutions for Clients in the High-Risk Hospitality Industry

Businesses in the hospitality industry require insurance coverage that can be specifically tailored to their size, location, services, and endless liability exposures—from guest injuries to liquor-related incidents. DeCotis Specialty Insurance makes it easy for agents to access customizable Hospitality and Liquor Liability solutions from AM Best A-Rated markets for restaurants, bars, nightclubs, caterers, and more.

Target Classes

FOR THE HOSPITALITY INDUSTRY

We help our agency partners find specialty insurance for various hospitality businesses, including but not limited to:

  • Bars, pubs, and taverns
  • Restaurants and cafés
  • Franchise fast-food operations
  • Breweries, wineries, and distilleries
  • Nightclubs and entertainment venues
  • Hotels, motels, and resorts
  • Special events and event planners
  • Catering services and banquet halls
  • Liquor stores
  • Social clubs

Coverage Options

DeCotis offers a range of surplus lines solutions to help agents meet the diverse specialty risks and insurance requirements of clients in the hospitality industry.

  • Property Coverage: Building and Business Personal Property
  • General Liability and Liquor Liability
  • Assault and Battery Coverage (where available)
  • Business Interruption and Loss of Income
  • Excess General Liability
  • Special Event Liability Insurance

Product Highlights

To read more product highlights, please download and save the coverage sheet.

  • Available as a Commercial Package Policy or Monoline Liquor
  • Liquor Liability limits up to $1 million / $2 million
  • Assault and Battery (A&B) with full or sublimits
  • New ventures considered
An insurance flyer with colorful cocktail drinks at the top, highlighting Liquor Liability coverage for restaurants, bars, nightclubs, catering, and hospitality events. Includes bullet points on features, target classes, and company contact details at the bottom.
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SUBMISSION REQUIREMENTS

Download the application that best suits your clients’ needs and provide three years of loss runs and any additional relevant information. Send the application to: Quotes@DeCotis.com.

A liquor liability insurance application form tailored for the hospitality industry, with fields for policy information, classification of risk, and requested limits, featuring the Decotis Specialty Insurance logo at the top left.
DOWNLOAD THE LIQUOR LIABILITY APPLICATION
A Liquor Liability representation application form for hospitality businesses like bars/restaurants, featuring business and contact details, annual receipts by sales category, and a table of coverage limits with related questions. Decotis logo at the top.
DOWNLOAD THE LIQUOR LIABILITY—BAR-RESTAURANT APPLICATION
A special event application form from Decotis Specialty Insurance, featuring fields for event details, coverage types like liquor liability or hospitality insurance, location, attendance, and risk assessment, with checkboxes and spaces for applicant input.
DOWNLOAD THE SPECIAL EVENT LIABILITY APPLICATION

Getting a Hospitality and Liquor Liability Insurance Quote is Simple

Select one of the following options to request a quote for your clients’ specialty insurance needs:

Get an Online Quote
Submit an Application
Contact an Underwriter
USLI Instant Phone Quote: 888-875-5218

States where
we do business

States where we do business

Northeast
  • Connecticut
  • Delaware
  • Maine
  • Maryland
  • Massachusetts
  • New Hampshire
  • New Jersey
  • New York
  • Pennsylvania
  • Rhode Island
  • Vermont
Mid-Atlantic
  • District of Columbia
  • Florida
  • Georgia
  • North Carolina
  • South Carolina
  • Virginia
Southwest
  • Arizona
  • Colorado
  • New Mexico
  • Oklahoma
  • Texas

CROSS-SELL OPPORTUNITIES FOR SURPLUS LINES

Your hospitality clients may also require these products.

Entertainment and Recreational Insurance

Designed for businesses in the arts, entertainment, and recreation industry that are highly vulnerable to injury and property liability claims from customers, third-party visitors, and employees.

Learn More
Nonprofit Management Liability Insurance

Serves the specialty risk requirements of nonprofit organizations—from charitable groups to arts and culture institutions—and protects their board of directors against professional liability claims.

Learn More

Does DeCotis Deliver? Hear From Our Agency Partners.

The thing I love the most about DeCotis is the close-knit, family-like culture where relationships go beyond just work. With DeCotis, you’re not just another agent—you’re part of the family. Trusted expertise, personal attention, and genuine care every step of the way.
Shannon DonovanTashmoo Insurance Agency Inc
DeCotis is by far the most responsive of the carriers we work with and the most willing to work with the agents. Whether it’s simple acknowledgement on submissions, binder/invoice turnaround, or simple service requests, the service is second to none.
John DutneyBerlin Insurance Group, LLC
The DeCotis team is everything you hope for in a partner—attentive, collaborative, and always a step ahead. Their service goes beyond responsiveness; it’s the kind of relationship built on trust and a shared commitment to doing things right.
Mackenzie HanniganBayside Insurance Underwriters
We have been working with DeCotis for nearly a decade and have experienced nothing but excellent service. Their responsiveness, customer service, and expertise in the industry set them apart from other brokers. We look forward to continuing our partnership for many years to come!
Sean M. Segreve, CPCU, CIC, CISRSegreve & Hall

THE POWER OF CHOOSING DECOTIS

  • Access to AM Best A-Rated Carriers
  • Fast Online or Phone Quoting Options
  • Expertise in Hard-to-Place Risks
  • Specialists in Creative, Flexible Surplus Lines Solutions
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