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Broker Liability Insurance One in five real estate agents and brokers will face a lawsuit during their career. Help your clients protect their professional reputation and financial stability with Alexander J. Wayne & Associates, Inc.'s Broker Liability Insurance program. As an experienced Excess & Surplus Lines broker, AJ Wayne places tailored real estate professional liability for agents, brokers and allied professionals using top-rated specialty carriers and targeted underwriting to match each client's exposure. Overview of the Program from Alexander J. Wayne & Associates, Inc. This program is designed to respond to common and specialty exposures in residential real estate practice—errors and omissions, personal injury (including libel and slander), discrimination allegations, pollution-related claims from property operations, and risks tied to lock boxes or subcontracted inspectors. AJ Wayne combines market access and underwriting experience to place straightforward accounts as well as harder-to-place risks through non-admitted carriers when necessary. Ideal Accounts and Appetite This program fits a broad range of real estate professionals, including: Real estate agents and brokers — residential Property managers and asset managers Home and lead paint inspectors Leasing agents and facilitators Mortgage brokers, bankers, and mortgage field representatives Residential real estate appraisers Real estate consultants and relocation consultants Typical fits: single-office brokerages, independent home inspectors, small-to-midsize property management firms, and mortgage professionals without significant commercial exposure. Accounts with high-value commercial portfolios, known fraud allegations, or documented prior criminal acts may require special placement or are outside standard appetite — AJ Wayne can advise on those on a case-by-case basis. Coverage Highlights and Advantages Independent Contractor Coverage: Options to extend protection to subcontracted inspectors and vendors. Lock Box Coverage: Includes property damage or loss arising from compromised lock boxes. Pollution Liability: Defense and indemnity for certain environmental claims tied to residential transactions or inspections. Discrimination Coverage: Defense for alleged discriminatory practices under fair housing or employment-related claims. Personal Injury: Libel, slander and other personal injury exposures — including online content. Punitive Damages: Available where insurable by jurisdiction and carrier. Automatic Acquired Subsidiary Coverage: Streamlines coverage for qualifying acquisitions. Common Ownership / Real Estate Equity Interest: Options to cover residential sales by affiliated developers or owned residential properties. Underwriting Notes and Minimum Premium Minimum premium for the program starts at $2,000. AJ Wayne works with a broad panel of specialty carriers to secure capacity and competitive terms. Representative markets include E-risk, Chartis, BRP, PRF, Axis, Schinnerer, Brown and Brown, Gen Star, Hiscox, Kinsale, Lexington, Liberty, US Risk, Houston Casualty, Shand, Specialty Global, USLI, Travelers, Tudor, Pearl Program, and Landy. Many placements are available on a non-admitted basis to give flexibility for more complex or harder-to-place risks. Territories and Availability AJ Wayne offers this program nationwide. Coverage is available in all 50 states and Washington, D.C., with broad access in states such as CA, FL, NY, TX, IL, and WA. Availability is subject to carrier appetite and state-specific regulations. Why Work With Alexander J. Wayne & Associates, Inc.? As an Excess & Surplus Lines broker with deep ties to specialty markets, AJ Wayne provides agents and brokers with market access, underwriting insight, and placement support tailored to real estate professionals. We focus on fast, practical solutions for both routine accounts and more challenging risks—helping you secure appropriate coverage, defend client relationships, and close deals. Example scenarios you might place through this program: A solo residential broker who needs E&O with online personal injury coverage after expanding marketing to social media. A small property management firm seeking pollution coverage and independent contractor protection for subcontracted maintenance vendors. Call AJ Wayne today to discuss a specific account or to get guidance on documentation and submission requirements. Frequently Asked Questions What types of accounts are a good fit for this program?This program fits a wide range of residential real estate professionals, including brokers, property managers, home inspectors, appraisers, and mortgage professionals. Small to mid-size firms are typically the best fit. Is this coverage available in all states?Yes. Coverage is available in all 50 states and Washington, D.C., subject to carrier appetite and state-specific rules. What is the minimum premium for this program?The program’s starting minimum premium is $2,000. Final pricing depends on class of business, limits, and risk characteristics. Are independent contractors covered under this program?Yes. The program includes options to extend coverage to independent contractors, such as subcontracted inspectors or vendors, where requested and underwritten. Which carriers do you work with for this program?AJ Wayne places this business with a wide range of specialty carriers including USLI, Travelers, Hiscox, Liberty, Gen Star, Axis, and many others on our panel. Need help placing an account? Connect with a market specialist. ...

For over 15 years, Commercial Sector Insurance Brokers has delivered alternative, market-driven solutions and competitive placement strategies for difficult-to-place commercial risks. As a wholesale insurance broker, our team values strong relationships with retail agents and carrier underwriters. We combine deep commercial-lines expertise with access to admitted and non-admitted A-rated (or better) markets to place accounts across a broad range of industries.Program Overview Commercial Sector Insurance Brokers specializes in 100% commercial lines and works with agents nationwide to find tailored solutions for hard-to-place business. We handle accounts from small risks to large layered placements and frequently provide positive alternatives where standard markets decline or price aggressively. Ideal Accounts and Target Classes We have particular appetite for accounts that need creative placement, including coastal and catastrophe-exposed risks. Target classes include: • Coastal Property / Catastrophe-exposed accounts • Apartments, Condominiums, Hotels, Motels • Municipalities • Manufacturers and Distributors • Vacant Buildings • Retail Operations • Commercial and Residential Real Estate • Stock Throughput We place mono-line or layered structures, coastal wind and earthquake covers, and specialty property or liability solutions for niche exposures. Coverage Highlights and Advantages • Commercial General Liability (including roofing, excavation/road, artisan contractors, hab...N, TX, UT, VT, VA, WA, DC, WV, WI, WY. We work with both admitted and non-admitted options depending on the insured’s needs and state requirements. Why Work With Commercial Sector Insurance Brokers Specialized 100% commercial-lines focus — experience placing complex property and liability risks. Access to admitted and surplus lines markets with A-rated or better capacity. Flexible placement options: mono-line, layered excess, coastal wind/earthquake, inland marine and more. Responsive underwriting and in-house authority for select classes to speed placement. Dedicated wholesale support for retail agents — strategic solutions rather than one-size-fits-all quotes. Example scenarios You might have a client with a coastal hotel that needs layered property limits and wind deductible buy-back options after being non-renewed in the standard market. We can evaluate layered structures and surplus options to maintain capacity and manage coastal exposure. Or you may represent a manufacturer seeking products liability and pollution coverage due to unique operations. We can combine product liability with environmental forms and coordinate with admitted carriers to create a comprehensive program. Contact one of our experienced team members to discuss specific submissions and learn how Commercial Sector Insurance Brokers can help you place the missing pieces for challenging commercial accounts. Frequently Asked Questions What types of accounts are the best fit for this program?We focus on commercial risks that are difficult to place in standard markets — coastal cat-exposed properties, multifamily habitational risks, vacant buildings, manufacturers/distributors with product exposures, and layered placements requiring excess capacity. Do you place admitted business, surplus lines, or both?We place both admitted and non-admitted business. Our carrier panel includes A-rated (or better) admitted markets as well as surplus lines capacity for harder exposures or higher limits. What submission information do you typically need?Provide completed applications, current loss runs (typically 5 years if available), schedules of values for property, details on risk management or mitigation for coastal/vacant properties, and description of operations for liability accounts. Can you handle layered excess or large limit placements?Yes — we routinely structure layered excess programs and coordinate multiple carriers to assemble capacity for large or complex accounts. Which states do you serve?We work with agents across the United States and place business in the states listed in the storefront. Submission requirements and admitted vs. surplus options may vary by state. Need help placing an account? Connect with a market specialist.

What is Brokers Liability Insurance? Brokers Liability Insurance is designed to protect professionals who act as intermediaries in various transactions, such as insurance brokers, reinsurance brokers, and stockbrokers. This coverage helps safeguard against claims that may arise from errors, omissions, or negligence in the course of providing brokerage services. These liability exposures can include miscommunication with clients, failure to disclose important information, or administrative mistakes. Who Needs It This type of insurance is essential for individuals and firms in brokerage roles, including insurance agents, reinsurance brokers, and surplus lines brokers. Whether working independently or as part of an agency, professionals involved in advising clients or placing coverage must consider this protection. Organizations operating in high-stakes environments, such as financial markets or insurance placement, face heightened risks due to the complexity and impact of their services. What it Typically Covers Brokers Liability Insurance generally includes coverage for: Claims of professional negligence or failure to perform duties Legal defense costs associated with covered claims Settlements or judgments resulting from covered incidents For example, if a broker fails to properly place a client’s commercial liability policy and the client suffers a loss, this insurance can help cover the resulting legal costs and damages. This coverage may also extend to risks involving inaccurate documentation or failure to meet underwriting requirements. Common Exclusions or Limitations While Brokers Liability Insurance offers broad protection, it typically excludes coverage for intentional wrongdoing, fraudulent acts, or criminal behavior. Claims related to bodily injury or property damage may also be excluded unless they are directly tied to the broker’s professional services. Additionally, employee-related issues such as workplace injuries are usually covered under separate policies like workers’ compensation. Factors That Influence Cost Premiums for Brokers Liability Insurance vary based on several underwriting factors, including: The size and revenue of the brokerage firm Scope and complexity of services offered Past claims history Number of employees or licensed professionals Risk management practices, such as internal auditing and client documentation protocols, can also impact the cost of coverage. Proof of Insurance & Compliance Clients, carriers, or regulatory bodies may require brokers to provide proof of liability insurance as a condition of doing business. Maintaining current coverage not only supports compliance but also boosts client confidence and protects the broker’s professional reputation. In some sectors, demonstrating coverage can be critical for securing contracts or partnerships. How to Get a Quote To find the right Brokers Liability Insurance policy, it’s important to discuss with an agent who understands the specific risks and exposures relevant to your brokerage practice. For more specialized coverage solutions, you may also explore options such as Agents and Brokers Professional Liability Insurance or Reinsurance Brokers Professional Liability. Those operating in niche markets may benefit from policies like Surplus Lines Brokers Professional Liability Insurance or Stockbrokers Insurance depending on the services offered. Frequently Asked Questions What is the difference between Brokers Liability and General Liability Insurance?Brokers Liability Insurance covers professional errors and omissions, while General Liability Insurance addresses third-party bodily injury and property damage not tied to professional services. Is Brokers Liability Insurance mandatory?It is not always legally required, but many clients and insurers demand proof of coverage before doing business with a broker. Does this insurance cover independent brokers?Yes, independent brokers can obtain coverage tailored to their specific service offerings and business size. How do claims typically arise under this policy?Claims often stem from miscommunication, failure to secure appropriate coverage, or administrative mistakes that result in client loss. Can Brokers Liability Insurance be bundled with other policies?Yes, many brokers bundle it with Cyber Liability or Commercial Property coverage for broader protection. Still have questions? Talk to a local insurance expert. ...

Moving can be one of the most frustrating and costly experiences a person deals with at least once in their life. Preparing for a move involves various expenses—packing materials, hiring professional movers, transferring homeowners or renters insurance, and more. On top of that, there’s the added concern of keeping personal belongings safe during transport. Chenango Brokers, LLC offers a comprehensive Household Movers Insurance program designed to protect your clients in the moving industry. Whether you’re working with new ventures or established moving companies, this program helps safeguard both their equipment and their customers’ property during relocation. Ideal Accounts and Appetite This program is tailored for household goods movers operating within a 300-mile radius. It's ideal for local and regional moving companies transporting personal belongings, household furniture, and related items. Chenango Brokers can work with both new businesses and experienced movers, provided they meet underwriting requirements. Accounts must have prior commercial insurance experience in some cases—specifically, two years of prior coverage is required for risks based in Florida and Illinois. Chenango Brokers focuses on placing risks that need broad protection for both vehicles and cargo. Coverage Highlights and Advantages A strong Household Movers Insurance policy should provide protection for all parties involved during a move. Chenango Brokers’ program offers well-rounded coverage options to meet those needs, including: • Liability Coverage • Physical Damage • Cargo Insurance • Crime Coverage • Commercial Auto • Comprehensive Coverage • Property Damage These coverages help protect the moving company’s trucks and vans, the cargo being transported, and third-party property in the event of an accident, theft, or other covered loss. For example, if you have a client who owns a small fleet of moving trucks and is expanding services across neighboring states, this program can help provide the liability and cargo coverage they need to grow confidently. Underwriting Notes and Requirements Chenango Brokers underwrites with a focus on properly insuring risk exposures common to the household moving industry. A few key underwriting notes: 300-mile operational radius maximum for all risks Two years of prior commercial insurance required for FL and IL New ventures considered in other states Coverage may be admitted in some states Territories and Availability This program is currently available in the following states: CT, FL, IL, MD, NJ, NY, PA, and RI. While coverage is available on an admitted basis in some states, availability and terms may vary by jurisdiction. Why Work With Chenango Brokers With over 30 years of experience in the transportation and moving insurance sector, Chenango Brokers brings deep market knowledge and underwriting support to help you place accounts confidently and efficiently. As a wholesale broker, Chenango offers fast turnaround—typically delivering quotes in under 37 minutes—and works closely with retail agents to ensure their clients are properly protected. Explore the full program details and access resources on our Household Movers Insurance page, or contact our team directly to get started. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for local and regional household goods movers operating within a 300-mile radius. Both new and established businesses can be considered, depending on underwriting criteria. Is prior insurance required to qualify?Yes, risks based in Florida and Illinois must have at least two years of prior commercial insurance. Other states may allow new ventures. What coverages are included in the program?The program includes liability, physical damage, cargo, crime, commercial auto, comprehensive, and property damage coverage options. How quickly can I get a quote?Chenango Brokers typically delivers a quote in less than 37 minutes once all required information is provided. In which states is this program available?The program is available in CT, FL, IL, MD, NJ, NY, PA, and RI, with a 300-mile operating radius limit. Need help placing an account? Connect with a market specialist. ...

What is Broker Insurance? Broker insurance is a type of professional liability coverage designed for individuals and businesses that act as intermediaries in various transactions. These brokers may operate in industries such as real estate, finance, freight, or insurance itself. The policy helps protect brokers from claims that arise due to errors, omissions, or negligence in the course of their professional duties. Who Needs It Anyone who operates as a broker should consider broker insurance. This includes: Real estate brokers Mortgage brokers Insurance brokers Freight brokers Securities or investment brokers If your job involves advising clients or handling transactions on their behalf, broker insurance can help manage the risks associated with your professional responsibilities. What It Typically Covers Broker insurance policies generally provide coverage for: Professional negligence or errors and omissions (E&O) Misrepresentation or failure to disclose key information Legal defense costs related to covered claims Settlements or judgments resulting from lawsuits This coverage helps safeguard your business operations and reputation if a client claims that your services caused them financial harm. Common Exclusions and Limitations While broker insurance offers important protection, it doesn't cover every situation. Common exclusions may include: Intentional wrongdoing or fraud Bodily injury or property damage (covered under general liability) Claims arising from services not disclosed in the policy Contractual liability outside the scope of normal operations Always review your policy carefully to understand what is and isn’t covered. Factors That Influence Cost The cost of broker insurance depends on several factors, including: Type of brokerage and industry Annual revenue and number of employees Claims history Coverage limits and deductibles Insurance providers will assess your business profile to determine the level of risk and premiums accordingly. Proof of Insurance & Compliance Many states and industry regulators require brokers to carry insurance as part of their licensing or compliance obligations. Even when not required by law, clients may ask for proof of insurance before entering a business agreement. A certificate of insurance (COI) serves as official documentation that you hold active coverage. How to Get a Quote Ready to protect your brokerage business? Start your quote today and explore coverage options tailored to your needs. Get a quote. Frequently Asked Questions Is broker insurance legally required?Requirements vary by state and industry. Some regulatory bodies mandate coverage, while others do not. It's best to check with your state licensing board or industry association. Does broker insurance cover employee mistakes?Yes, most policies include coverage for errors made by employees acting within the scope of their duties, but this can vary by provider. Can I customize my broker insurance policy?Many insurers offer customizable coverage limits, endorsements, and add-ons so you can tailor the policy to your business needs. What happens if I cancel my policy?If you cancel, you may lose coverage for claims filed after cancellation, even if the incident occurred while the policy was active—unless you have tail coverage. Is broker insurance the same as E&O insurance?Broker insurance often includes E&O (errors and omissions) coverage, which is a core component, but additional protections may also be included depending on the policy. Still have questions? Talk to a local insurance expert. ...

Moving can be one of the most frustrating and costly experiences a person deals with at least once in their life. Preparing for a move involves various expenses—packing materials, hiring professional movers, transferring homeowners or renters insurance, and more. On top of that, there’s the added concern of keeping personal belongings safe during transport. Chenango Brokers, LLC offers a comprehensive Household Movers Insurance program designed to protect your clients in the moving industry. Whether you’re working with new ventures or established moving companies, this program helps safeguard both their equipment and their customers’ property during relocation. Ideal Accounts and Appetite This program is tailored for household goods movers operating within a 300-mile radius. It's ideal for local and regional moving companies transporting personal belongings, household furniture, and related items. Chenango Brokers can work with both new businesses and experienced movers, provided they meet underwriting requirements. Accounts must have prior commercial insurance experience in some cases—specifically, two years of prior coverage is required for risks based in Florida and Illinois. Chenango Brokers focuses on placing risks that need broad protection for both vehicles and cargo. Coverage Highlights and Advantages A strong Household Movers Insurance policy should provide protection for all parties involved during a move. Chenango Brokers’ program offers well-rounded coverage options to meet those needs, including: • Liability Coverage • Physical Damage • Cargo Insurance • Crime Coverage • Commercial Auto • Comprehensive Coverage • Property Damage These coverages help protect the moving company’s trucks and vans, the cargo being transported, and third-party property in the event of an accident, theft, or other covered loss. For example, if you have a client who owns a small fleet of moving trucks and is expanding services across neighboring states, this program can help provide the liability and cargo coverage they need to grow confidently. Underwriting Notes and Requirements Chenango Brokers underwrites with a focus on properly insuring risk exposures common to the household moving industry. A few key underwriting notes: 300-mile operational radius maximum for all risks Two years of prior commercial insurance required for FL and IL New ventures considered in other states Coverage may be admitted in some states Territories and Availability This program is currently available in the following states: CT, FL, IL, MD, NJ, NY, PA, and RI. While coverage is available on an admitted basis in some states, availability and terms may vary by jurisdiction. Why Work With Chenango Brokers With over 30 years of experience in the transportation and moving insurance sector, Chenango Brokers brings deep market knowledge and underwriting support to help you place accounts confidently and efficiently. As a wholesale broker, Chenango offers fast turnaround—typically delivering quotes in under 37 minutes—and works closely with retail agents to ensure their clients are properly protected. Explore the full program details and access resources on our Household Movers Insurance page, or contact our team directly to get started. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for local and regional household goods movers operating within a 300-mile radius. Both new and established businesses can be considered, depending on underwriting criteria. Is prior insurance required to qualify?Yes, risks based in Florida and Illinois must have at least two years of prior commercial insurance. Other states may allow new ventures. What coverages are included in the program?The program includes liability, physical damage, cargo, crime, commercial auto, comprehensive, and property damage coverage options. How quickly can I get a quote?Chenango Brokers typically delivers a quote in less than 37 minutes once all required information is provided. In which states is this program available?The program is available in CT, FL, IL, MD, NJ, NY, PA, and RI, with a 300-mile operating radius limit. Need help placing an account? Connect with a market specialist. ...

Overview of the Program From J.R. Olsen Bonds & Insurance Brokers, Inc. J.R. Olsen Bonds & Insurance Brokers, Inc. offers a flexible Errors & Omissions (E&O) insurance program designed for a wide range of professional service firms. As a Managing General Agency with access to 25 different insurance companies, J.R. Olsen places E&O coverage for common professional exposures and harder-to-place classes. This program is intended for agents and brokers who need a reliable market for professional liability risks across many professions and transaction types. Ideal Accounts and Appetite The program is tailored for transactional and advisory professionals who face negligence, omission or error exposures in the performance of professional services. Typical classes we place include: Insurance Agents & Brokers Mortgage Bankers / Brokers Escrow Companies Title Companies and Agents Tax Deferred Exchange Attorneys Travel Agents Medical Malpractice Architects & Engineers For Most All Professions, If Not Shown Here Call If you have a professional client not listed above, this program often can consider submissions—especially where prior coverage, loss history and risk management practices are reasonable. Coverage Highlights and Advantages Access to multiple admitted and non-admitted markets through a single MGA, improving placement options for unusual or mid-sized risks. Standard E&O coverages for negligence, errors, omissions and defense costs; available endorsements and policy features depend on carrier selection. Competitive appetite for both renewal and new-business submissions across many professional classes. Underwriting flexibility for firms with limited prior coverage or unique operations, thanks to multiple carrier relationships. Underwriting Notes and Submission Requirements Underwriting varies by carrier and state. Typical documents requested include a completed E&O application, current and prior loss runs, descriptions of services offered, and any engagement letters or contracts. Common considerations that affect placement: Claims history and pending litigation Fee volume and revenue mix Contractual risk transfer (indemnities, waivers, third-party agreements) Risk management practices, staff qualifications and training Minimum premiums and retentions are carrier- and state-dependent. Because J.R. Olsen works with many markets, minimums will vary—submit the full underwriting package for the most appropriate market match. Territories and Availability This program is available in the following states: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR...T, VT, VA, WA, DC, WV, WI and WY. Admitted versus non-admitted options depend on carrier and state rules. What documents are typically required to get a quote?Underwriting commonly requests a completed E&O application, the most recent loss runs, descriptions of services and any sample engagement letters or contracts. More detail may be requested based on the class and carrier selected. Need help placing an account? Connect with a market specialist.

What is Specialty Insurance Brokers? Specialty insurance brokers are professionals who focus on placing hard-to-insure or non-standard risks that traditional insurance markets may not cover. These brokers work with a wide network of carriers to find tailored solutions for unique businesses or high-risk operations. Coverage placements often include specialized industries such as event organizers, product manufacturers, niche contractors, and associations facing specific liability exposures. Who Needs It Organizations or operators with unusual risk profiles—such as fireworks vendors, sports clubs, entertainment venues, and specialty retailers—frequently turn to specialty insurance brokers. These entities may have operational hazards, spectator injury exposures, or property risks that exceed the scope of standard commercial policies. Specialty brokers are also invaluable for emerging industries or businesses with claims history that makes placement more challenging. What it Typically Covers Coverage arranged by specialty brokers may include: General liability insurance for third-party bodily injury or property damage Commercial property coverage for buildings, equipment, and inventory Professional liability for errors, omissions, or negligent advice Participant accident coverage for sports clubs or recreational programs Event liability insurance for one-time or recurring public events For example, a regional trade show may need event liability coverage to protect against claims arising from attendee injuries or vendor-related damages during setup. Common Exclusions or Limitations While policy terms vary widely, common exclusions include intentional acts, pollution, or wear-and-tear property damage. Specialty policies may also limit coverage for high-risk activities unless specifically endorsed. Understanding underwriting factors—such as past claims, the nature of business operations, and contractual obligations—is critical to identify coverage gaps. Factors that Influence Cost Premiums depend on several variables, including the type of business, risk level, coverage limits, and location. Additional considerations include claims history, safety protocols, and whether the risk is ongoing or seasonal. Specialty insurance brokers assess these factors to match clients with carriers that understand their niche risk profile. Proof of Insurance & Compliance Many clients—such as landlords, municipalities, or corporate partners—require proof of coverage before allowing operations to begin. Specialty brokers help ensure that certificates of insurance (COIs) reflect the correct names, limits, and endorsements. This is especially critical for contractors bidding on public projects or event organizers renting venues. How to Get a Quote Working with a specialty insurance broker begins with a detailed risk assessment. Be prepared to share information about your operations, past claims, and coverage needs. From there, the broker will approach appropriate carriers to secure competitive quotes tailored to your situation. Request a personalized specialty insurance quote today. For those in the insurance industry looking to better serve niche markets, professional liability insurance for insurance agents and brokers can also be a consideration. Additionally, commercial sector insurance brokers may provide broader placement resources for standard and semi-specialized risks. Frequently Asked Questions What makes a broker a "specialty" insurance broker?They focus on non-standard or high-risk insurance placements that fall outside traditional markets, often working with surplus lines carriers. Can specialty brokers help with short-term or one-time event coverage?Yes, they often arrange event liability insurance for temporary or seasonal operations needing limited-duration coverage. Do I need specialty insurance if I'm already covered by general liability?Possibly. If your operations involve unique exposures or exclusions not addressed in a standard policy, specialty coverage may be necessary. Are specialty insurance policies more expensive?They can be, depending on the risk profile, but brokers work to find competitive options suited to your specific needs. How do I know if I need a specialty insurance broker?If you've been denied coverage, operate in a niche industry, or face complex risks, a specialty broker can help find suitable insurers. Still have questions? Talk to a local insurance expert. ...

When it comes to running a restaurant there are many requirements that need to be in place to protect the business, the owner, and the employees. This is a risky and fast-paced business, and owners need multiple protections to keep up in this industry. Among the many items an owner must manage, a few stand out as especially important — 1. The Business Plan 2. Business Licenses 3. Liquor License The most stressful part of starting and operating a food or beverage business is often the insurance program. Restaurants typically need property insurance, general liability, workers' compensation, liquor liability, umbrella excess and other tailored coverages. Chenango Brokers, LLC offers a Restaurant Insurance program designed specifically for independent agents and brokers placing hospitality risks. As a wholesale broker, we shop multiple markets to find competitive, comprehensive products tailored to a restaurant's exposures. Our underwriting team focuses on speed and clarity so you can move accounts quickly and confidently. Let us step up to the plate. We will identify appropriate carriers and coverage options based on your client’s operations, size and exposures, then provide a timely quote and responsive servicing. Available Coverages: • Business Owners Policy • Lessor Risk • Liquor Bonds • Workers Compensation • Liquor Legal *depending on the target class, this can be either a stand-alone policy or added to a business owners policy. Target Classes: - Restaurants - Bars and Taverns - Delis - Pizzerias - Bakeries - Bodegas - Takeouts - Franchised locations - Non-franchised locations Ideal Accounts and Appetite Small-to-medium restaurants, quick service and full-service dining establishments. Neighborhood bars, taverns and pizzerias that hold a liquor license and require liquor liability or liquor legal protection. Bakery, deli and takeout operations with typical exposures (cooking equipment, slip-and-fall, delivery). Franchised and non-franchised single-location risks; multi-location accounts considered on a case-by-case basis. Coverage Highlights and Advantages Access to Business Owners Policies (BOP) that combine property and liability limits appropriate for restaurants. Liquor liability and liquor legal coverage options for on-premise alcohol exposures, plus liquor bonds where required. Workers' compensation solutions and umbrella/excess follow-form capacity to broaden limits. Wholesale broker placement — multiple carrier options and tailored submissions to match underwriting appetite. Underwriting Notes and Minimum Premiums Underwriters will evaluate typical restaurant exposures such as cooking operations, hood suppression systems, alcohol service, delivery operations, and liquor sales percentage. High-risk features (e.g., nightclubs with live entertainment, large-capacity event venues, rooftop bars) may require specialized underwriting or additional exclusions. Minimum premium: Varies by carriers and products. Specific minimums depend on the carrier selected and the state where the business operates. Territories and Availability Chenango Brokers' Restaurant Insurance program is available in the following states: AL, AZ, CT, FL, GA, IL, MD, NV, NJ, NY, OH, OK, PA, RI, TX, VA, WA. Some coverages and carriers are offered on admitted paper in select states and non-admitted in others — availability varies by product and state. *Please note that not all of our carriers and products are available in every state. Examples of Good Fits You have a single-location pizzeria with on-premise dining and delivery service seeking a BOP with liquor liability — this program can provide combined property/liability options and liquor coverage that suits that risk. A neighborhood bar with a full liquor license that needs liquor legal protection and umbrella limits — we can submit to carriers that underwrite bar exposures and liquor-related legal defense. Why Place Restaurant Business with Chenango Brokers, LLC? Wholesale broker expertise: we present to multiple admitted and non-admitted markets to secure competitive terms. Hospitality-focused underwriting and flexible placement options for typical restaurant exposures. Responsive service and prompt quoting so you can close business faster for your insureds. Guidance on which coverages to include by class (e.g., liquor legal for bars, BOP for restaurants, workers' comp for staffed operations). No matter how big or small the risk — we will write it! Frequently Asked Questions What types of restaurant accounts are a good fit for this program?Small-to-medium single-location restaurants, pizzerias, delis, bakeries, takeouts, and neighborhood bars/taverns are the primary targets. Franchised and non-franchised locations are eligible; larger or specialty-nightclub risks are considered case-by-case. Which coverages can I place through Chenango Brokers' Restaurant Insurance program?You can place Business Owners Policies, lessor risk, liquor bonds, workers' compensation, and liquor legal coverage (either stand-alone or as an endorsement to a BOP), depending on the target class and carrier appetite. How quickly can I expect a quote and what do you need to submit?Chenango Brokers focuses on fast, clear underwriting responses. Typical submissions should include a completed application, loss runs, ACORDs, and details on liquor sales, hood suppression systems, payroll and any high-risk exposures. Exact turnaround varies by carrier and complexity. Are coverages admitted or non-admitted?Both admitted and non-admitted options are used. Availability depends on the product and state — some coverages are available on admitted paper in select states and non-admitted in others. Check state availability when submitting. What is the minimum premium?Minimum premium varies by carrier and product. Specific minimums are determined during carrier selection based on the insured’s class, exposure and state. Need help placing an account? Connect with a market specialist. ...