Bar and restaurant insurance from people who know the business
Liquor liability, general liability, property, workers’ comp, and every policy in between, placed by hospitality specialists who know how bars and restaurants really run.
Prefer to talk? Call 480.776.6981
- Google Rating
- 5.0
- Arizona Restaurants Insured
- 600+
- Years in Business
- 26
- Hospitality Insurance Brokerage in Arizona
- #1
Coverage
Coverage built for how hospitality runs
Every operation is different. We match each policy to your license, sales mix, hours, and entertainment, then explain every line before you sign.
Liquor Liability
Dram shop claims tied to serving alcohol.
General Liability
Guest injuries, slip-and-falls, and property damage.
Property & Business Income
Your space, equipment, and income after a loss.
Workers’ Compensation
Medical bills and lost wages for injured staff.
Assault & Battery
Fights involving guests, staff, or security.
Employment Practices Liability
Harassment, discrimination, and termination claims.
Umbrella & Excess Liability
Higher limits above your primary policies.
Cyber Liability
Data breaches, POS attacks, and ransomware.
Spoilage & Equipment Breakdown
Lost inventory and repairs when equipment fails.
Commercial Auto
Delivery, catering, and company vehicles.
Business Owner’s Policy
Property and liability bundled for smaller spots.
Event Insurance
Coverage for festivals, private events, and one-day gatherings.
Industries
Insurance for every kind of hospitality business
From a single coffee counter to a multi-concept group, we insure the way your business actually operates.
Restaurants
Bars & Nightclubs
Breweries & Taprooms
Distilleries & Wineries
Hotel Food & Beverage
Caterers
Multi-Location Groups
Quick Service & Fast Casual
Coffee Shops & Cafes
Resources
Learn from people who live it
Straight talk on risk, claims, and running a hospitality business, from the podcast studio to your inbox.
Podcast
On The DELO
Weekly conversations with Arizona chefs, owners, and brewers.
Listen Now →Monthly Video
The Industry Update
The trends, claims, and changes hospitality owners need to know, in one short video each month.
Watch the Update →The Book
Risky Business
DELO’s survival guide to liquor liability and insurance, built on real claims from fires and fights to slip-and-falls.
Read Risky Business →Press
Press & Media
Features, interviews, and awards for DELO and the team.
See the Coverage →Arizona
Rooted in Arizona hospitality
We insure 600+ Arizona restaurants and know the state’s dram shop law, liquor licensing, and lease requirements firsthand.
Cities we serve
Arizona guides
Built by an operator, for operators
Bar & Restaurant Insurance is led by DELO, who has owned 13 restaurants and has worked in hospitality for more than two decades. For 26 years, our team has insured the exposures that live behind the bar, in the kitchen, and on the floor.
Your advocate when it counts
We shop the carriers that fit your operation, explain every exclusion and sublimit in plain language, and stand beside you when a claim comes in. Powered by ALKEME, we pair national strength with a local, operator-fluent team.
- Dave is great to work with and understands the bar and restaurant business. I would highly recommend him if you are looking for an agent that has bar and restaurant experience, not only in insurance but also behind the scenes. He speaks our language.
Bar and restaurant insurance FAQs
Straight answers to what hospitality owners ask us most.
What insurance does a restaurant need?
Most restaurants start with general liability, property and business income, and workers’ compensation. If you serve alcohol, add liquor liability. Many operations also carry assault and battery, employment practices liability, cyber, spoilage and equipment breakdown, commercial auto, and umbrella coverage.
What is liquor liability insurance?
Liquor liability covers claims when a guest who was served alcohol injures someone or causes damage, including dram shop lawsuits. General liability policies typically exclude these claims for businesses that sell alcohol, so bars and restaurants need it as a separate policy.
Does general liability cover fights at my bar?
Often it does not. Many hospitality general liability policies exclude or limit assault and battery claims, which is why bars, nightclubs, and late-night restaurants usually need dedicated assault and battery coverage.
What types of hospitality businesses do you insure?
We insure restaurants, bars and nightclubs, breweries and taprooms, distilleries and wineries, hotel food and beverage operations, caterers, multi-location groups, quick service and fast casual concepts, coffee shops and cafes, and food trucks.
Why work with a hospitality insurance specialist?
A specialist knows the exposures generalist agents miss, such as liquor sales mix, late hours, entertainment, and security. Our team is led by an owner of 13 restaurants and insures 600+ Arizona restaurants, so we place coverage that fits how you actually operate.
How do I get a bar or restaurant insurance quote?
Request a free quote online or call 480.776.6981. Share your license type, food and alcohol sales split, hours, and entertainment, and we will shop the carriers that fit your operation and walk you through every option.