By Jeffery M. Short, vice president, Partners Specialty Group Copyright National Underwriter P&C

Combine a generous amount of alcohol with exotic entertainment, shake it up and what do you get–at least as far as the insurance industry is concerned? The answer is the unique risks served up at bars, nightclubs and some restaurants across the country. While these exposures might give some standard insurers a headache, solutions can be found through wholesale brokers and excess and surplus lines carriers who specialize in this industry sector. The average restaurant–whether it’s a small eatery, a family-style establishment or a fine-dining location–doesn’t fall in this category. Most are still written through the standard markets.

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