Tabak Insurance Agency, PLLC is a Texas-based specialty insurance firm focused exclusively on serving the needs of the hospitality industry. Headquartered in Sugar Land, Texas, the agency has built a national reputation for providing tailored insurance solutions for bars, nightclubs, restaurants, and other alcohol-serving venues. With decades of niche experience and an expansive carrier network, Tabak Insurance is considered a market leader in liquor liability and general business coverage for high-risk venues.
Company Overview
Founded by Robert Tabak, Tabak Insurance Agency, PLLC was created to fill a significant gap in the insurance industry: reliable, affordable, and customized insurance for the hospitality and entertainment sectors. Unlike traditional insurance agencies, Tabak focuses entirely on the unique needs of nightlife operators, providing coverage where others may decline or overcharge.
Today, the company serves thousands of clients across all 50 U.S. states, helping establishments minimize risk exposure while remaining compliant with regulatory mandates and local licensing laws.
Core Business
Tabak Insurance Agency provides full-spectrum commercial insurance coverage with an emphasis on liquor liability, general liability, and property protection. Its offerings are built to accommodate businesses operating in high-liability environments, such as:
- Nightclubs
- Bars and lounges
- Sports bars
- Restaurants
- Adult entertainment venues
- Music venues and live performance establishments
Product Portfolio
General Liability Insurance
- Covers customer injuries, accidents, and property damage
- Tailored coverage limits based on foot traffic and venue type
Liquor Liability Insurance
- Protects against third-party claims related to alcohol service
- Compliant with Dram Shop laws and state-specific alcohol regulations
Commercial Property Insurance
- Coverage for physical assets, equipment, furniture, and inventory
- Fire, vandalism, theft, and natural disaster protection
Workers' Compensation Insurance
- Financial support for employee injuries and medical expenses
- State-mandated compliance services included
Business Owner’s Policy (BOP)
- Bundles property and general liability for small to mid-sized businesses
Errors and Omissions (E&O) Insurance
- Coverage for claims of professional negligence or mistakes
Directors and Officers (D&O) Insurance
- Protection for business leadership from personal liability claims
All insurance packages are underwritten by A-rated national carriers, with customizable options based on business size, revenue, risk profile, and local legal requirements.
Unique Selling Proposition (USP)
Tabak Insurance Agency is one of the few insurance firms in the United States that specializes exclusively in the hospitality and nightlife sectors. Its core advantages include:
- 100% hospitality industry focus
- Access to specialty underwriters that approve high-risk clients
- 24-hour quote turnaround
- Dedicated support team for licensing and regulatory compliance
This highly specific niche expertise allows Tabak to craft insurance programs that meet both legal and operational needs of complex venues where alcohol and entertainment are primary services.
Market Reach and Financial Strength
While Tabak Insurance is privately held and does not publicly disclose financials, the company insures over 5,000 venues nationwide and continues to expand rapidly into new markets. With a growing team of licensed agents and a technology-forward client onboarding system, Tabak has maintained year-over-year client growth of approximately 15–20% in the last five years.
The U.S. liquor liability insurance market alone is projected to reach $4.3 billion by 2026, and Tabak is uniquely positioned to capture a significant portion of this growth due to its brand reputation and specialization.
Distribution and Operational Model
Tabak Insurance operates as a direct-to-business agency, eliminating middlemen and reducing policy costs for its clients. They offer:
- Online application portals
- Email and phone support with licensed agents
- State-specific compliance guidance
- Renewal tracking and risk audits
Their digital-first approach has streamlined policy approvals and claims processing, particularly for first-time venue owners or rapidly growing businesses.
Certifications and Compliance
- Licensed insurance brokerage operating in all 50 U.S. states
- Partners with A-rated and AM Best-certified insurance carriers
- Compliant with all state insurance department licensing and underwriting regulations
- Internal compliance officers to monitor regulatory changes
Capabilities
- Custom liability limits from $500K to $10M
- Group policies for multi-location operators
- Rapid claim assistance and documentation support
- Risk mitigation audits and loss prevention consulting
Marketing and Community Engagement
Tabak Insurance maintains an active presence on social media, industry blogs, and hospitality expos. Their Facebook page features success stories, educational content on liability reduction, and regulatory updates relevant to bar and restaurant owners.
They also offer free risk consultations and host webinars focused on understanding liquor liability exposures and how to prepare for inspections.
Client Testimonials
Clients routinely commend Tabak for its ability to secure coverage when other agencies have declined, as well as for providing lower premiums for better coverage terms. Many operators cite savings of 20–40% compared to generalist agencies and appreciate Tabak’s insider knowledge of licensing boards and local alcohol laws.
Major Achievements
- Expanded client base to 5,000+ insured venues nationwide
- Recognized for lowest rejection rate in high-risk liquor liability underwriting
- Approved carrier partner with leading U.S. insurance providers
- Delivered cost-effective coverage to bars in all 50 states
Tabak Insurance Agency, PLLC remains the leading authority in hospitality industry insurance, providing unmatched expertise, fast coverage, and strategic risk protection tailored to nightlife and alcohol-serving businesses.
