Specialty Solution for Restaurants With Up To 35% Liquor Sales

Apr 2023

As an insurance broker, you understand that restaurant owners face a wide range of risks on a daily basis. There are many potential liabilities that can lead to costly legal battles and damage to a restaurant’s reputation. That’s why it’s essential for restaurant owners to have the right insurance coverage to protect their businesses. Two types of insurance coverage that are particularly important for restaurants serving alcohol are commercial general liability (CGL) insurance and property insurance. At SWG, we offer these coverages to help restaurant owners protect their businesses and their customers.

CGL Protects against claims for bodily injury, property damage, and personal and advertising injury. For restaurants serving alcohol, CGL insurance can provide coverage for claims related to accidents, fights, and other incidents that may occur on the premises. Property insurance is another important type of insurance for restaurants. This coverage can provide protection for a restaurant’s physical property, including its building, equipment, and inventory. In the event of a fire, theft, or other covered event, property insurance including business interruption can help restaurant owners recover their losses and get their businesses back up and running. At SWG, we understand the unique risks that restaurant owners face, and we offer insurance solutions tailored to their needs. Our CGL and property insurance policies provide comprehensive coverage for a range of risks, including those associated with serving alcohol.

If you’re an insurance broker looking to provide your restaurant clients with the best possible coverage, consider partnering with SWG. Our experience and expertise in the industry can help you provide your clients with the peace of mind they need to focus on running their businesses.

Hospitality Application:
Download Form: H0100 Hospitality Application
Commercial General Liability

  • Maximum 35% liquor
    • Our Hospitality program handles higher liquor sales risks like pubs and bars, etc.
  • Inspections to be ordered on all new business
  • Up to $5,000,000 CGL limit

Legal Expense Insurance Coverages:

  • Contract Disputes
  • Employment Disputes
  • Criminal Defence
  • Property Disputes
  • Personal Injury
  • Tax Disputes

We will quote $10,000 coverage, with higher limits available


  • Broad Form coverage on most risks
  • Building, Contents, and Business Interruption (Profits)
  • Deductibles starting at $1,000
  • Standard extensions will be included on all quotes


  • Up to $55,000 limits available

Equipment Breakdown

  • Follows property limits