Ideal Accounts and Appetite
This program targets a wide array of commercial operations that need General Liability or Package coverage and may also have limited Liquor Liability or Limited Professional Liability exposures. Liquor and Professional Liability must be written in conjunction with the General Liability. Ideal risks are small to medium-sized businesses that may not qualify for standard markets due to class codes, prior losses, or unique exposures.
Sample eligible accounts might include:
- A neighborhood convenience store that also sells beer and wine
- A small contractor needing GL and Professional coverage for incidental design work
- A family-owned banquet hall that serves alcohol
Coverage Highlights and Advantages
Agents working with ARS-Latiff benefit from in-house binding authority, which means faster turnaround times and streamlined workflows. This program offers flexible coverage options including:
- General Liability
- Commercial Package Policies
- Limited Liquor Liability (written with GL)
- Limited Professional Liability (written with GL)
Coverage is provided through Hudson Specialty Insurance Company, a well-capitalized carrier with a strong reputation in the E&S market.
Underwriting Notes and Minimum Premiums
Minimum premiums for this program start at $1,500, making it accessible for smaller accounts that may not meet thresholds for larger programs. Submissions are reviewed in-house, allowing for responsive underwriting decisions and efficient placement of business.
Territories and Availability
This in-house binding program is available to licensed agents and brokers in the following states:
- Connecticut (CT)
- Florida (FL)
- New Jersey (NJ)
- New York (NY)
- Pennsylvania (PA)
As a non-admitted offering, this program is well-suited for risks that fall outside the appetite of standard markets or require more flexible terms.
Why Work With Atlantic Risk Specialists, Inc./ARS-Latiff, LLC?
ARS-Latiff is a trusted E&S broker with strong carrier relationships and in-house authority that empowers agents to place challenging risks quickly and confidently. Their underwriting team understands the nuances of small to mid-sized commercial exposures and works closely with agents to craft appropriate coverage solutions.
Whether you’re looking to place a single location with liquor exposure or a multi-class package risk, ARS-Latiff can help you meet your client’s needs with speed and expertise.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for small to mid-sized commercial operations needing GL or Package coverage, especially those with incidental liquor or professional exposures.
Is Limited Liquor or Professional Liability available as a standalone policy?
No, both Limited Liquor and Limited Professional Liability must be written in conjunction with General Liability coverage.
How fast can I get a quote through this program?
Since ARS-Latiff has in-house binding authority, turnaround times are generally faster than traditional markets. Most quotes are returned quickly, depending on the completeness of the submission.
What is the minimum premium?
The minimum premium for this program starts at $1,500, though final pricing depends on risk characteristics and coverage selections.
Which states are eligible for this binding facility?
This program is available in Connecticut, Florida, New Jersey, New York, and Pennsylvania.
Need help placing an account? Connect with a market specialist.