Source: USLI – Products
USLI: Restaurants and Bars Insurance Appetite
USLI writes hospitality as a standard class with the valuable addition of liquor liability. This makes them a strong option for bars and restaurants that need standalone liquor liability or a competitive GL/BOP package. The 100-room hotel limit keeps them focused on small/mid-size hospitality. Pair with a WC carrier for complete coverage.
Available Lines
| Line of Business |
|---|
| General Liability |
| Liquor Liability |
| Business Owners Policy (BOP) |
| Commercial Property |
| Umbrella/Excess |
Premium Range
$2,000-$15,000
Typical annual premium
Target States
All 50 states
Key Features
- Liquor liability coverage – a key differentiator for bars and restaurants
- GL and BOP for restaurants, bars, and hotels
- Hotels up to 100 rooms eligible for GL
- National availability across all 50 states
- Umbrella up to $5M
Limitations
- Hotels limited to 100 rooms for GL eligibility
- No workers' compensation available
- No commercial auto available
- Nightclubs and late-night venues may face additional underwriting review
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