Where we placing little dive bars in SC? Minimal food (hot dogs, corn...

Posted 2026-03-28

Where we placing little dive bars in SC? Minimal food (hot dogs, corn dogs, chips). Most excess carriers are 25k+ and Rainbow declined.

Carriers Mentioned

USLI

States

South Carolina

Risk Types

bar, restaurant, liquor liability, excess liability, dive bar

Agent Replies (7)

Agent Reply

Distinguished possibly

Agent Reply

You advise them to open up for lunch service and sell more food. Otherwise they likely cannot afford the coverage.

Agent Reply

Is Society or SPRISKA in South Carolina?

States: South Carolina
Agent Reply

That's the minimum premium for $1,000,000 per occurrence for the few carriers left. $1,000,000 General Aggregate is compliant, however.

Agent Reply

RPS

Agent Reply

Did you check with USLI?

Carriers mentioned: USLI
Agent Reply

What about a private club? Or making the private members a small % ownership, very low 0.1. As owners in the club you can't sue yourself. You could then self insure? I realize this has loads of issues but what are your thoughts?

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