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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. Frequently Asked Questions What types of accounts are a good fit for this Hospitality Insurance Program?The program is ideal for restaurants, cafes, bars, taverns, caterers, pizza parlors, take-out locations, and BYOB establishments with low to moderate alcohol exposure. Is liquor liability available through this program?Yes, liquor liability coverage is available and can be tailored based on the insured’s alcohol sales and operations. What states is this program available in?The program is available in California (on an Admitted basis), and in Idaho, Montana, Oregon, and Washington (on a Non-Admitted basis). Are optional coverages offered?Yes, optional coverages such as Employee Benefits Liability and Hired & Non-Owned Auto Liability are available for an additional premium. What is the minimum premium for this program?Minimum premiums vary depending on the risk and selected coverages. Contact Cochrane & Company for a quote or to discuss specific accounts. Need help placing an account? Connect with a market specialist.

At Pacific Coast E & S Insurance Services, we’ve mastered “the three R’s” of insurance: rapidity, resourcefulness and relationships.” Rapidity - You can count on Pacific Coast E & S Services for prompt, efficient service, an innovative and proactive approach to placing your business, and the personal touch that shows you’re a valued customer, each time you call. Resourcefulness - Pacific Coast E & S Insurance Services has the resources to provide solutions for your client’s risks. We access A-rated insurers for your specialty and difficult accounts. Relationships – Using our substantial binding authority with contract markets and our knowledge and experience with brokerage facilities, we place coverage for retail producers on a broad spectrum of accounts. We’ve built strong relationships with retail agencies. We don’t work with everyone – we partner with agencies that operate at a high level of professionalism.