BAR & RESTAURANT INSURANCE
Fast, expert coverage for bars and restaurants—from first opening to multi-location growth.
01 / BUILT FOR THE REAL RISK
Hospitality insurance is rarely simple. Your broker should understand the operation behind the menu.
Coverage shaped around your concept
Fernstone helps bars and restaurants secure affordable coverage that protects the business without paying for insurance that does not fit. From full-service dining and neighborhood bars to breweries, lounges, catering, and multi-location groups, we know how to balance price with the protection each operation actually needs.
Nuance prevents delays and gaps
Liquor sales, live entertainment, late-night hours, patios, delivery, equipment, tipped payroll, and landlord requirements all affect underwriting. Fernstone understands how hospitality businesses are built and how they grow.
Built to move at the speed of your opening.
02 / INDUSTRY EXPERIENCE
We know where hospitality accounts get complicated—and address it early.
Food and beverage is not just another service class. A full-service restaurant with a bar is underwritten differently from a brewery taproom, late-night lounge, or entertainment venue. Live music, patios, delivery, catering, and liquor exposure all change the submission. Fernstone knows where issues arise and how to address them early.
Liquor liability
We help navigate liquor sales, dram shop exposure, service practices, and venue-specific requirements.
Property and equipment
We help account for kitchens, refrigeration, specialty equipment, tenant improvements, and business interruption.
Employment and events
We help address tipped payroll, live entertainment, catering, delivery, and changing staffing models.
$1K–$75K+
Premium range across hospitality accounts Fernstone has handled.
03 / COVERAGE THAT FITS
Relationships that match the way you operate
Our carrier relationships help hospitality companies access coverage that fits how they actually operate—from a first neighborhood concept to a growing multi-location group adding hours, catering, events, and new markets.
Contract review before requirements become problems
Fernstone can review lease and event insurance language, flag problem areas, explain what is required, and help align policies, endorsements, and documents with landlord and partner expectations.
Fernstone is licensed in all 50 states and ready to support bars and restaurants nationwide—from first-time operators opening a debut concept to established hospitality groups managing complex, multi-location exposures.
Deep hospitality expertise. Fast, clear support.