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Insurance Services Group –
Smarter Insurance

What is smarter insurance? It's not mascots or gimmicks. It's not spending our client's premium dollars on advertising. It's not 800 numbers, cut rate or one-size-fits-all. Smarter Insurance is a promise. Smarter Insurance is crafting insurance policies based on individual needs, creating coverage you can count on. When it's time to look at your options, call, come in or request a quote. See what Smarter Insurance can do for you today.

Testimonials

  • "Good People doing good business"
    - R.J. Schroeder
  • "18 years with home, vehicles, equipment, ranch and business. Very pleased!"
    - Mike G
  • "I give you an AAA++ Rating. You are always professional and have better prices."
    - R. Hart
  • "I have been purchasing insurance for 57 years and can truthfully say this is the very best agency I have ever done business with."
    - David H.
  • "It is refreshing to experience an honest, hardworking insurance office with friendly agents that actually know their business and work for the benefit of clients. Their integrity saves us time and money and we enjoy referring our friends."
    - Daniel and Dianah D.
  • "I have been a customer since 2003, the agency has taken care of my needs and accurately and efficiently handled my requests. I have even had a couple of claims and the service was outstanding. As a very satisfied customer, I am happy to refer you."
    - Gerald N.
  • "We did business with your agency for 20 years but because we moved out of the area, discontinued. That lasted less than one year because we could not find the brands or satisfaction that you provided for us- by finding the best price, best policy coverage and you always went that 'one step beyond'. We are very satisfied and know that you really do care. Thank you very much."
    - Jacoba C.
  • "I am so happy that I was referred to your agency. I have always had a difficult time understanding my insurance policies and the coverages, but your agency really took the time to explain everything to me in a way that even I could understand. Not only am I happy with the price and friendly service; I now feel confident that I am properly covered."
    - Susan K.
  • "I have always been happy with the service I receive from your office. I am a busy person, so it's important that I receive timely responses. The agents in your office have not let me down!"
    - Ronnie D., Seattle, WA

Companies We Work With

Bar, Tavern, and Nightclub Insurance

California Bar InsuranceBased just North of Seattle, Washington, Insurance Services Group offers Bar, Tavern and Nightclub owners in Washington, Oregon and Idaho access to their exclusive hospitality insurance program.

Because no two businesses are exactly alike, we customize our program to fit the specific coverage needs of each of our clients. Whether we are insuring the neighborhood tavern, the latest martini bar or a good old-fashioned brew pub, our coverage forms and pricing are the best available in Washington, Oregon and Idaho. While many bar or tavern insurance programs limit percentage of alcohol to food sales, our program is created to price each risk appropriately and competitively so that bar or tavern owners can purchase the coverage they need at the best possible price.

While each client's needs may differ and you may purchase as much or little coverage limits as desired, most of our insureds choose policies that provide:

General Liability

  • Occurrence $1,000,000
  • General Aggregate $2,000,000
  • Includes assault and battery at 50,000/100,000 (higher limits available)
  • Medical Payments
  • Employment Liability
  • Workers Comp or Stop Gap Coverage
  • Hired, Non-owned or Borrowed Auto Coverage

Liquor Liability

  • Includes assault and battery at 50,000/100,000 (higher limits available)

Umbrella Liability

  • Limits to $5,000,000 or higher.

Property - Special Form or other as requested

  • Building
  • Contents
  • Inventory
  • Business Income/Lost Income
  • Equipment Breakdown
  • Computer Equipment
  • Outside Signs
  • Food Spoilage

In addition to custom fit coverage, our program offers low down payments, monthly billing, low finance charges (some competitors charge up to 18% interest) with the lowest fee structure available.

For a no-obligation Bar, Tavern and Nightclub Insurance Comparison please complete the form below. One of our hospitality insurance experts will contact you to answer any questions and provide you with the best available insurance solution for your business.

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