South Carolina · North Carolina · Vermont
Liquor Liability Insurance for Bars & Restaurants
Modern general and liquor liability insurance for bars, restaurants and taverns. Built by people who know the hospitality business, and owned by the businesses it covers.
As featured in
The Post and Courier · Insurance Journal · Claims Journal · Live 5 News · ABC News 4 · Captive Insurance Times
Industry partnership
Proud Partner of the South Carolina Bar & Tavern Association
The South Carolina Bar & Tavern Association and Ragnar Hospitality have partnered to give the state’s bars and taverns a liquor liability option built for the way they actually operate.
It’s the same idea behind our whole program: insurance shaped by people who know the hospitality business, not a checklist written by people who don’t.
Read the AnnouncementBar & Restaurant Insurance That Makes Sense
Insuring a bar or restaurant has never been more difficult. Traditional markets have failed to keep up with the hospitality industry, good operators are declined because of a single checkbox on an application, and South Carolina’s $1 million liquor liability requirement leaves little room for error.
We take a different approach: we get to know your operation before we price it, and every policy includes both general liability and liquor liability coverage.
See how our program works →Our appetite
Who We Insure
Fine dining restaurants · Full-service restaurants · Sports bars · Taverns · Sporting venues · Smaller music venues · VFW & American Legion posts
What we accept
Many of the things other carriers decline on sight are part of how good bars and restaurants run. We look at how you operate them.
No alcohol sales percentage restrictions
No closing time restrictions
Live music accepted; DJs with restrictions
Karaoke & trivia nights
Pool, darts, Golden Tee, video games & simulators
Axe throwing, with conditions
Real examples
See What Coverage Costs
First-year premium examples for three types of South Carolina businesses, including how members can share in the program’s results.
Latest News
All updates →October 12, 2026
The Gaps in Founders Liquor Liability
July 27, 2026
RHIC Announces New Partnerships
July 27, 2026
Expanding to Vermont
Modern Restaurant Insurance Starts Here
Start your application online, or talk with our Charleston team first.
Questions about South Carolina’s liquor liability requirements? Read our SC Liquor Liability Guide or the FAQs.