|Bar Pak - Frequently Asked Questions What is Bar Pak?
Bar Pak is an insurance program designed for owners
and operators of bars, taverns, lounges and nightclubs who are based in
the United States. Unlike other programs, Bar Pak delivers a choice of
insurance policies and providers to the operator. Because carriers
offer different levels of coverage and are more competitive for
different types of operations, we know that no single insurance company
will fit every establishment's needs.
Who is Hill & Usher?
Hill & Usher is the program designer and manager
for Bar Pak. As a retail insurance agency, we also serve as your
advocate during the purchase of your policy. We are also available to
serve you in the event of a claim or if you have questions concerning
your policy. Hill & Usher is based in Phoenix, Arizona.
Where do premiums start?
Minimum premiums vary by insurance carrier and state; however, most begin at $1000 to $2,500 annually.
How is my premium calculated?
Premiums are determined by a number of factors,
including: Your physical location; value of your insured equipment and
other property; number of years in business; annual sales of food,
liquor and other income, and previous history of claims.
What coverage is included in a Bar Pak policy?
Generally, your Bar Pak policy will include General Liability, Liquor Liability and Property.
How quickly may I activate coverage?
In most cases, a Hill & Usher representative will
respond to your inquiry within 48 hours. We are certainly willing to
handle urgent inquiries. Please contact 866-GO-COVER to speak to us
immediately, or contact us using our online inquiry form.
If I file a claim, will coverage be cancelled or rates increased at renewal?
Today, the bar insurance market is strained by too
opposing forces: (1) Many insurance carriers are aggressively pursuing
bar and tavern business because of the large number of potential
accounts nationwide (and the premium dollars paid collectively); (2) At
the same time, intensifying competition among carriers targeting the
same pool of bar or tavern policyholders will ultimately result in an
overall premium decline. So, this intensifying competition for your
business will eventually result in depressed rates, which, at some
point, will likely cause the many carriers who once stridently pursued
your premium dollars to exit, en masse, the marketplace entirely. A
sudden decrease in competition is the primary driving force behind any
significant premium increases you might experience in the future.
I have a Landlord requesting "proof of insurance" or "additional insured." Does Hill & Usher provide that?
short answer, then, is that filing a claim in today's marketplace,
provided it is isolated and not easily prevented will likely NOT result
in coverage cancellation or significant premium increases. Many
insurance buyers are familiar with stories of insurance carriers
dramatically increasing rates following a claim. But, insurance for
bars and liquor serving establishments is frankly often viewed as an
"all or nothing" proposition for the industry. So long as carriers
compete hand over fist for your next policy renewal, you should only
expect to see a premium increase that results from losses in the rarest
Yes, we do. Please contact our office or visit our
online service center at http://service.hillusher.com to make your
request. We will ask for the name and address of the party making the
request as well as if the party is requesting any particular coverage
extensions from your policy, like an "additional insured" endorsement
or "waiver of subrogation." We turn around typical requests in 24 hours.
Are Payment Plans Available?
Yes. A multitude of payment plans are available.
How do I make a change to my policy?
Contact our office at 800-956-4220 or visit service.hillusher.com
The descriptions of
coverage provided to you on this website do not alter or replace the
actual policy issued to your firm. For an exact explanation of
coverage, please refer to the policy. In the event of a claim, the
actual policy in force at the time the loss occurred will dictate
coverage and limits.
|Why Choose Bar PakTM?
Because no Bar, Tavern or Nightclub is the same as the next, policies
in the Bar Pak program are customized to suit each business owner.
Need more information about Bar PakTM
? Contact one of our licensed insurance professionals by phone or email for assistance.
"Bars, taverns and other hospitality companies are core concentrations of Hill & Usher, which is why we find it so important to provide content and information to you on barpak.com and dinepak.com. We are proud to focus squarely on the restaurant and bar industry. The large number of bars and restaurants who choose Hill & Usher can often equate to a sort of "volume" discount for our insurance customers, because the insurance carriers with whom we do business know we are serious about your industry and can deliver them the solid base of premium paying customers they want. If you ever have questions about our company or services, please feel free to contact me anytime."
Richard B. Usher,
Hill & Usher