Hospitality Insurance Program from Cochrane & Company
Cochrane & Company is proud to offer our specialized Hospitality Insurance Program, built to serve a wide range of food and beverage establishments. Backed by an A+ XV AM Best-rated carrier, this program provides access to both Admitted coverage in California and Non-Admitted options in other available states. Whether you're looking to place a neighborhood tavern or a busy catering operation, our program is designed to provide flexible, competitive solutions for your hospitality clients.
Ideal Accounts and Appetite
This program is tailored for a broad mix of hospitality businesses, including:
- Restaurants & Cafes
- Bars, Taverns, and Pubs
- Deli's and Pizza Parlors
- Take-Out Establishments
- Banquet Facilities and Caterers
- BYOB Restaurants
Incidental exposures and BYOB operations are considered. Accounts with low alcohol receipts may be eligible for assault & battery coverage considerations. This flexible appetite allows you to confidently place a variety of small to mid-size hospitality risks.
Example: You might have a client operating a combination dine-in and take-out pizza shop with a small catering side business—this program can address their unique blend of exposures under one tailored package.
Coverage Highlights and Advantages
The Hospitality Insurance Program offers a comprehensive suite of coverages and enhancements to protect against common industry exposures, including but not limited to:
- General Liability and Property coverage with limits up to $5,000,000
- Liquor Liability available
- Employment Practices Liability
- Equipment Breakdown
- Crime coverage (small limits included; higher limits available)
- Additional Insured Endorsements available
- Silent on Assault & Battery for qualifying risks
- Specialized Tiered Rating Program for more competitive pricing
Optional ancillary coverages are available for an additional premium, including:
- Employee Benefits Liability
- Hired and Non-Owned Auto Liability
Underwriting Notes and Minimum Premiums
Minimum premiums vary based on risk characteristics, location, and selected coverages. The program is underwritten with flexibility in mind, making it suitable for a range of small to mid-sized hospitality operations. Our team considers unique features like BYOB models and incidental exposures that may not fit traditional markets.
Territories and Availability
This program is currently available in the following states: California (Admitted), Idaho, Montana, Oregon, and Washington (Non-Admitted). We continue to evaluate expansion opportunities to meet agent demand in additional territories.
Why Work with Cochrane & Company?
As a trusted Managing General Agency with deep market access and underwriting expertise, Cochrane & Company delivers tailored insurance solutions for niche industries like hospitality. We understand the operational risks your clients face and provide responsive service to help you place business efficiently. Our strong carrier relationships and flexible program structure make us a valuable partner for hospitality accounts that require attention to detail and customized coverage.
If you have questions about our Hospitality Insurance Program or need help evaluating a specific risk, don’t hesitate to reach out—we’re here to support your success.