Restaurants, Bars & Taverns

Larisa Zubkova

Commercial Lines Underwriter

Our Market

We offer access to Restaurant Business Owners Policy Programs through an A rated A.M. Best Carrier.  Programs offer a package of coverages for the business owner to protect their Property, Liability & Crime exposures.  Liquor liability is available as well.

Eligible Risks Include:

  • Fine dining restaurants offering gourmet meals and extensive wine lists.
  • Commercial cooking and limited table services such as fast food, cafeterias, pizza parlors and delis with commercial cooking.  Sales of alcoholic beverages up to 30% of annual receipts.
  • Casual or family style restaurants. Sales of alcoholic beverages up to 30% of annual receipts.
  • Limited or no cooking and limited table service.  Such as delis, sandwich shops and pizza shops that do not fry or require cooking processes.
  • Taverns, bars, clubs (excluding nightclubs), pubs and lounges.

The above program details are for one admitted carrier in CT & MA. Other admitted and non-admitted options are available for CT, MA, RI, NH and ME.

For more information regarding this program and/or other available markets, please contact Larisa Zubkova at Please direct all submissions to


  • Fast Food
  • Cafeteria’s
  • Delis
  • Taverns 
  • Bars
  • Fine Dining Restaurants
  • Clubs
  • Pubs
  • Lounges
  • Pizza Shops
  • Liquor Liability

Joseph Krar & Associates, Inc.

Direct (860) 628-3967 | Fax (860) 628-3969 | Toll Free (800) 886-5050 | P. O. Box 580, 1676 West St. Southington, CT 06489

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