Specializing in insuring bars, lounges, restaurants and social clubs for over 30 years

Don't let unforeseen events ruin your business. Protect your future.

We're here to help your business thrive. Serving New Jersey, New York, Pennsylvania, Connecticut, Rhode Island, Vermont, Virginia, North Carolina, South Carolina, Georgia, Florida, Kentucky, Tennessee, Texas, Nevada, and Montana.

Get a free quoteSee our coverage

1993

Insuring food & beverage since

16

States licensed

40+

New clients written in 2026

Are you getting nonrenewed? Did your premium increase?

If your carrier is not renewing you, or your premium jumped at renewal, you are not stuck with the number in front of you. IFB markets your account to several carriers and comes back with what the market will actually pay. There is no fee to find out and nothing obligating you to move.

Do not wait for the renewal notice to land. The earlier we see the account, the more carriers we can approach before your date.

One thing worth checking while you have the policy open: some carriers attach a warranty that mandates alcohol training such as TIPS. If your bartenders and your servers have not been trained, the carrier can deny the claim. Your waitress needs to know when a guest has had enough just as much as the bartender does. We look for that clause on every policy we review.

See the proven facts

Real accounts we re-marketed, with the same or better coverage. These are the numbers off our own mailer.

See the proven facts
AccountWas payingWith IFBSaved
Restaurant in New JerseyIFB quoted$27,233.85$11,147.20$16,086.6559% less
Restaurant in FloridaIFB bound$143,451.85$94,913.50$48,538.3534% less
Bar in New York CityIFB quoted$70,836.32$40,741.81$30,094.5142% less
Bar in FloridaIFB quoted$14,562.21$9,979.99$4,582.2231% less

Every account is different. What we quoted for these does not set what we can do for yours, and a review costs nothing either way.

Empty restaurant dining room with high-top tables and pendant lights

Collective wisdom

42 years of experience in the restaurant, entertainment, and hospitality industry

Independent Food and Beverage Insurance Brokers, Inc. has been catering to the restaurant, tavern, and beverage insurance industries since 1993, servicing hundreds of customers. We will market your account with several different insurance companies after reviewing your exposure and risk.

Insurance is a significant cost. You can't afford to not know your coverage. Our goal is to help you understand your current coverage and save you money. A recent client we wrote in the Jersey Shore area said that we bring "collective wisdom" to the table, and we've made that our mission.

Contact us today to get a FREE review of your current policy so you can keep the party going.

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See the commercial we filmed with one of our clients

Shot on location with one of our clients and one of the A-rated companies we place business with.

Strategic coverage, state-specific

Discover the breadth of our services with our map showcasing the states where Independent Food and Beverage Insurance Brokers is licensed to do business.

  • New Jersey
  • New York
  • Pennsylvania
  • Connecticut
  • Rhode Island
  • Vermont
  • Virginia
  • North Carolina
  • South Carolina
  • Georgia
  • Florida
  • Kentucky
  • Tennessee
  • Texas
  • Nevada
  • Montana
Map of the United States highlighting the 16 states where IFB Insurance is licensed

Where our clients are

We have been writing restaurants, bars, nightclubs and social clubs since 1993. This is where the book sits today.

Over 500 accounts on the books

Showing every state we write

Pins show the area an account sits in, never the business name. The map shows a sample of the book while we finish importing addresses.

Michael Sabino, President of Independent Food & Beverage Insurance Brokers, Inc.
Michael Sabino, President of Independent Food & Beverage Insurance Brokers, Inc.

About us

We know your business, because it's nearly all we write

Over 80% of IFB clients are in the restaurant and tavern industry. We have worked closely with white tablecloth restaurants, lounges, nightclubs, bars, taverns, and social clubs, from the beginning quote through the claim process.

The president of IFB began his career in 1984 at the age of 19, gaining skills such as company rating, claim handling, and policy issuance. Nine years later, Michael Sabino established Independent Food and Beverage Brokers, Inc.

With 42 years in the industry, Michael has extensive knowledge of the business and takes a hands-on approach with every client.

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Let us take care of your insurance needs

Independent Food and Beverage Insurance Brokers specialize in providing customized insurance solutions to protect the unique needs of businesses in the food and beverage industry. We understand that the risks faced by food and beverage businesses are different from those of other industries.

Latest news

Recent accounts we re-marketed. Same or better coverage, lower premium.

  • $36,000June 2026

    We saved a bar with entertainment $36,000 on their premium, with better coverage!

    Brevard County, Florida

  • $20,000+May 2026

    We saved a bar with entertainment $20,000+ on their premium!

    Travis County, Texas

  • $13,239July 2026

    We saved a restaurant $13,239 on their premium!

    Onondaga County, New York

  • $21,000November 2025

    We saved a nightclub $21,000 on their premium, with better coverage!

    Leon County, Florida

What our clients say

They bring "collective wisdom" to the table.

Jersey Shore area clientQuoted by IFB on ifbinsure.com

Independent Insurance Group

Independent Insurance Group is proudly owned and operated by Independent Food & Beverage Brokers, Inc.

Independent Insurance Group logo

Your business is your livelihood. Don't leave it to chance.

With Independent Food and Beverage Insurance Brokers, you can have peace of mind knowing that you're covered.

Get a quote