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Patriot National Hospitality

Patriot National Hospitality Program


Patriot Underwriters, Inc. offers the Patriot National Hospitality Program. The program offers many different products suitable to the needs of a wide variety of hospitality establishments and operations. We offer many insurance products that are backed by A.M. Best rated A or better insurance companies. These preferred programs are fine-tuned to the marketplace bringing the power of the standard market and group purchasing to bars, taverns and restaurants.

The heart of the Patriot National Hospitality Program is claims management, high-touch, front-end loaded claims review and our case management process, the SWARM. This aggressive, proactive model reviews all levels of the claim, at every management level, immediately and simultaneously. This is why Patriot closes more claims per year than the industry standard and always has, since the company was founded. Our top priority at Patriot is protecting and defending our clients' best interests.

Lines of Coverages

  • General Liability
  • Liquor Liability
  • Workers’ Compensation
  • Property
  • Excess/Umbrella
  • Crime
  • Equipment Breakdown
  • Assault and Battery

Program Highlights

  • A less restrictive alcohol-to-food ratio
  • Up to 100% alcohol acceptable
  • Offering many insurance products that are rated A or better by A.M. Best
  • Limited entertainment permitted
  • Up to 5 million in property values at any one location
  • Business interruption coverage included
  • No general liability or liquor liability deductibles
  • Program available in 37 states

Target Markets

  • Restaurants
  • Bars
  • Taverns
  • Sports Bars
  • Cafes
  • Delis
  • Pizza Parlors

Submission Guidelines

Restaurant, Bars & Taverns Program Coverage

Restaurant, Bars, & Taverns
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Restaurant, Bars & Taverns Supplemental Application




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