Hospitality & Entertainment
Where Service Meets Security
You pour the drinks, we'll handle the risks. Our tailored insurance programs protect restaurants, bars, lounges, and nightlife spots from the unexpected, so you can focus on serving great food, great vibes, and unforgettable nights.
Why Specialized Coverage Matters
No two bars or restaurants operate the same way, and a generic policy will not protect what you have built.
From liquor liability to property damage, we understand the unique exposures that come with hospitality and craft coverage designed to fit your flow of service.
Liquor Liability
Protection if alcohol service leads to claims.
Assault & Battery
Coverage for incidents involving patrons or staff.
Premises Liability
Safeguards against slips, falls, and property damage.
Property & Income
Protects your physical assets and helps maintain revenue if operations are interrupted by a covered loss.
Employment Practices Liability (EPLI)
Covers claims related to wrongful employment actions such as discrimination, harassment, or wrongful termination.
Umbrella Coverage
Provides additional liability protection beyond your primary policies for large or unexpected claims.
Licensed States
Broad Spectrum Insurance Services is proud to serve clients across 33 states. We are currently licensed in the following states:
Arizona · Arkansas · California · Colorado · Connecticut · Delaware · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Kansas · Kentucky · Louisiana · Massachusetts · Michigan · Minnesota · Montana · Nebraska · Nevada · New Jersey · New Mexico · New York · North Carolina · Ohio · Oregon · Pennsylvania · Tennessee · Texas · Virginia · Washington · Wyoming
Why We're Your Perfect Partner
Specialized Experience
With deep expertise across multiple industries, we understand the risks you face and how to protect against them.
Coverage You Control
Manage all your insurance in one place with seamless coordination across personal, business, life, and health policies.
One-Stop Protection
From property and liability to staff, guests, and events, we streamline all your coverage in one place so your entire operation stays protected with ease.
Fast, Clear Quotes
We make the process simple with quick turnaround times and transparent pricing, with no surprises.