You make one call. We make the rest.
Most brokers send you to one carrier that can write your liquor liability coverage. We go to all of them, then show you everything that comes back. Options mean you get the right policy at the right price.
Liquor liability for full-service restaurants
Sit-down dining with a real bar program is a specialty risk. We assemble the whole picture, not just a cheap general liability that doesn't cover everything.
- Liquor liability / dram shop, on- and off-premise
- General liability + assault & battery where needed
- Property, business income & equipment breakdown
- Umbrella / excess for lease & landlord requirements
- Workers' comp & hired/non-owned auto (delivery, catering)
Maps to → Restaurant / Bar & Tavern application (full-service + liquor supplement).
Full-service restaurant fun fact
Your dram-shop exposure doesn't stop at the bar. Off-premise catering, private events, and "just one for the road" all sit inside liquor liability. A policy written for a QSR will leave those gaps wide open, so we write the risk you actually run.
Tell us about your business.
Liquor liability for general restaurants
Casual and family dining with limited alcohol still needs the right program, often a package that's cheaper if done right.
- Liquor liability sized to beer/wine vs. full-bar
- Business Owner's Policy (GL + property) package
- Spoilage / equipment breakdown
- Workers' comp & delivery auto
- Umbrella for lease / franchise requirements
Maps to → Restaurant BOP application (with liquor endorsement).
Beer-&-wine vs. full-bar fun fact
Carriers price a beer-and-wine license very differently from a full liquor license, and BYOB isn't the free pass owners assume. How you answer questions on your application really matters, so we ask the right questions up front.
Coverage for quick-serve & fast-casual
Counter-service and fast-casual concepts, with or without a limited liquor license.
- General liability + property package
- Limited liquor liability (where a license applies)
- Hired & non-owned / delivery auto
- Workers' comp
- Cyber for POS / customer data
Maps to → Restaurant BOP application (quick-serve class).
Quick-serve fun fact
Even with little or no alcohol, quick-serve carries real exposure. Burns, slips, delivery auto, and franchisor COI demands all contribute. The savings come from a correctly-built package, so we shop for the package that's right for you.
Coverage for fast-food & franchises
Single-unit and multi-unit franchise operators with franchisor-mandated coverage.
- GL & property to franchise spec (additional insureds)
- Umbrella / excess to required limits
- Workers' comp across locations
- Commercial & delivery auto
- Employment practices liability (EPLI)
Maps to → Franchise / multi-unit restaurant application.
Franchise fast-food fun fact
Franchise agreements dictate coverage needs like specific limits, the franchisor as additional insured, and a COI before you open. Miss a requirement and you're out of compliance with your franchisor and your carrier, so we match your package to the franchise agreement exactly.
Liquor liability for nightclubs & bars
Bars, taverns, lounges, and nightclubs: the toughest liquor risk on the board, and our sweet spot.
- High-limit liquor liability / dram shop
- Assault & battery coverage (not an afterthought)
- GL, property & business income for late-hours venues
- Security / promoter & special-event liability
- Umbrella / excess for landlord & municipal requirements
Maps to → Bar & Tavern / Nightclub application (A&B + liquor supplement).
Nightclub & bar fun fact
Nightclub particulars like late hours and assault & battery / armed-security exclusions gut a policy right when you need it. This is exactly the hard-to-place risk Harper is built for, and we know which markets actually write it.
How Harper Concierge works
One application. Every market that can write your policy. The right program for you.
Tell us about your business
A short, specialist-led conversation, not a generic quote form. We learn your operation and your risk exposure first.
We call every insurer that covers you
We take your business to every insurance company that can quote your kind of work, including the specialists other agents cannot reach. You don't make the calls, we do.
You see everything and choose
We bring back every option and explain the coverages that actually fit. Let us handle the whole thing end-to-end so you can move fast.
Trusted by 6,000+ companies
98.78% of our customers renew with us.
Partners you can count on
You will recognize some of these names. The rest are specialists who cover the work the big names turn down.
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