Specialized on-premise coverage empowering hospitality venues—from breweries and restaurants to stadiums and festivals—to serve hemp-derived THC beverages with confidence.

Strata Specialty created the first on-premise insurance program designed specifically for bars, restaurants, hospitality locations, and live events venues offering hemp-derived THC beverages.

Low-dose THC beverages are quickly becoming a popular alcohol alternative, yet most general and liquor liability policies do not address the unique exposures associated with their on-premise service. From bars and restaurants to stadiums and festivals, hospitality businesses have been unable to find adequate coverage—until now. 

Strata Specialty’s program offers tailored protection to meet this growing need. Hospitality leaders are eager to innovate and meet consumer demand, but they can’t afford uncertainty around on-premise THC beverage service. Our program empowers venues and event operators to deliver exceptional guest experiences while managing risk responsibly.

Two Flexible Coverage Options

• Annual On-Premise Policy – For year-round establishments such as restaurants, bars, hotels, stadiums, and arenas incorporating hemp-derived THC beverages into their regular service.

• Live-Event Policy – Designed for one-off or short-term activations, including concerts, festivals, sporting events, conferences, and pop-ups, where THC beverages are sold or sampled. The coverage integrates easily with existing general and liquor liability programs, and higher limits are available for larger or high-traffic venues.