Specialized on-premise coverage empowering hospitality venues—from breweries and restaurants to stadiums and festivals—to confidently serve the next generation of alcohol alternatives and functional beverages.

Strata Specialty created the first on-premise insurance program designed specifically for bars, restaurants, hospitality locations, and live event venues offering emerging category beverages.

As consumer preferences continue to evolve, alcohol alternatives and functional beverages are rapidly gaining traction in hospitality. Yet most general and liquor liability policies do not clearly contemplate the unique exposures associated with serving these emerging products on-premise. From bars and restaurants to stadiums and festivals, hospitality businesses have struggled to find insurance solutions designed for this evolving category—until now.

Strata Specialty's program provides tailored protection to address this growing need. Hospitality leaders are eager to innovate, expand their beverage offerings, and meet changing consumer demand, but they cannot afford uncertainty around coverage. 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 emerging category beverages into their regular beverage program.

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