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Policy Highlights for Hall Insurance: Colonial General Insurance Agency, Inc. offers a specialized Hall Insurance program tailored for venues and food-service providers operating in event settings. Eligible operations include banquet and reception halls, event venues, independent caterers, catering trucks, sandwich and food trucks, and ice cream vendors serving weddings, private parties, business meetings, fairs and festivals. Coverage can be written on a mono-line or package basis to match a wide range of client needs. Ideal Accounts and Appetite This program is a strong fit for insureds that host events or provide mobile food service. Typical accounts include: Banquet and reception halls used for weddings, conferences, or private events Event venues that host public and private gatherings Independent catering companies providing on-site event food service Mobile food vendors such as catering trucks and ice cream trucks Whether the client operates a fixed event space or a fleet of mobile vendors, Colonial General’s Hall Insurance program addresses the common liability, property and crime exposures these operations face. Coverage Highlights and Advantages General Liability (CGL) Coverage: Primary limits available up to $3,000,000 occurrence/aggregate $5,000 Medical Payments coverage included Liquor liability offered where appropriate and where state rules allow Excess or umbrella limits offered up to $25,000,000 Additional interests can be added for $100 each No deductible required on the primary liability forms Property Coverage Options: Building and contents coverage Business income and equipment breakdown Computer equipment and valuable papers Food spoilage, outside signs, and inland marine Accounts receivable Basic, broad, or special form available Choice of replacement cost or actual cash value valuation Crime Coverage Available: Inside the premises—theft of money and securities Inside the premises—robbery or safe burglary of other property Outside the premises coverage for transit and off-site exposures Underwriting Notes and Minimum Premiums Colonial General places accounts in both admitted and non-admitted markets depending on state and risk characteristics. Underwriting evaluates exposures such as alcohol service, kitchen operations, vehicle operations for mobile vendors, special-event hazards, and premises security. There is no single stated minimum premium; agents should submit details so underwriters can quote appropriately for the size and complexity of the account. Territories and Availability The Hall Insurance program is available in: Arizona (AZ), California (CA), Colorado (CO), Idaho (ID), Nevada (NV), New Mexico (NM), Utah (UT), and Wyoming (WY). Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines broker, Colonial General brings focused expertise in hospitality and event-related risks. The firm leverages admitted and E&S markets to tailor solutions for venues and food-service operators, offering flexible coverages and capacity for larger limits. Colonial General's underwriters understand the operational nuances of event venues and mobile vendors and can coordinate property, liability, liquor and inland marine needs on a single placement when appropriate. Example scenarios that fit this program: You have a client who operates a mid-sized banquet hall that occasionally serves alcohol and needs combined property, general liability and liquor liability coverage. You represent a mobile ice cream vendor that attends seasonal fairs and festivals and needs general liability plus inland marine or auto-related coverage for equipment and stock. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for banquet halls, event venues, catering services, food trucks, and ice cream trucks that serve private and public events. Is liquor liability coverage available?Yes. Liquor liability can be included as part of General Liability where appropriate, subject to the risk profile and state regulations. What is the maximum limit available under the umbrella policy?Excess and umbrella limits are available up to $25,000,000. Do you offer coverage for mobile food vendors operating across multiple states?Coverage is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Mobile vendors operating within these states can be considered; multistate exposures should be detailed on submission. Are there any minimum premium requirements?No specific minimum premium is listed. Submissions are evaluated and priced based on exposure, limits and coverage selections. Need help placing an account? Connect with a market specialist.

...h-hazard. Good fit examples: banquets, trade shows (indoor/static), meetin...ti-day, non-sporting events such as banquets, trade shows (static), meetings, ...

... • Banquets • Fundraisers ... receptions, fundraisers, corporate banquets, retirement parties, and board me...

Axiom Insurance Managers Agency, LLC offers a specialized Restaurant Insurance program designed to meet the complex and diverse needs of food service businesses. Whether your client operates a quick-service franchise or a fine dining establishment, Axiom provides tailored coverage solutions that align with their specific operations and exposures. With access to a variety of carriers and the flexibility of non-admitted markets, Axiom helps agents place restaurant risks with confidence. Ideal Accounts and Appetite This program is built for a wide range of eating and drinking establishments, including those serving alcohol. From small coffeehouses to full-service restaurants and banquet halls, Axiom is equipped to handle most types of dining risks. Eligible classes include: Eating establishments with or without alcohol Banquet halls, buffet and smorgasbord operations Bistros, brasseries, cafés, and cafeterias Concession stands and coffeehouses Casual dining and caterers Diners, fast casual, and family-style restaurants Fine dining and full-service restaurants Limited service, pubs, quick service (fast food) Sandwich bars and similar food service businesses Whether your client is a startup café or a multi-location restaurant group with liquor sales, Axiom has the underwriting expertise to craft a solution. Coverage Highlights and Advantages Restaurant operators face numerous exposures—ranging from general liability to premises risks and liquor liability. Axiom’s program addresses them with broad coverage options and strong limits: General Liability: $1,000,000 per occurrence / $3,000,000 general aggregate Products/Completed Operations: $3,000,000 Personal and Advertising Injury: $1,000,000 Damage to Premises Rented to You: $1,000,000 Liquor Liability: $1,000,000 each common cause / $2,000,000 aggregate (per location aggregate where applicable) Umbrella / Excess Coverage: Limits up to $10 million Coverage is available on a package or mono-line basis, giving you flexibility to address the specific insurance needs of each client. Underwriting Notes and Minimum Premiums Minimum premiums vary based on class, location, and size of the operation. Axiom works with agents to assess risk factors including alcohol sales, hours of operation, claims history, and more. Their team excels in underwriting both straightforward and complex restaurant accounts. Territories and Availability This program is available in most states across the U.S., including but not limited to CA, TX, FL, NY, IL, and GA. Axiom writes on a non-admitted basis in all eligible states, allowing more flexible underwriting and tailored solutions. Why Work With Axiom Insurance Managers Agency, LLC? Axiom brings deep industry insight and a hands-on underwriting approach to restaurant insurance. Their access to a variety of carriers and commitment to customized solutions make them a valuable partner for agents looking to write restaurant business. Whether you're placing a neighborhood diner or an upscale wine bar, Axiom can help you secure the right coverage efficiently and competitively. Let Axiom cover all your Restaurant Insurance risks today! Frequently Asked Questions What types of accounts are a good fit for this program?This program targets a wide range of restaurant classes—from fast food and cafés to fine dining and banquet halls. Accounts with or without liquor service are eligible. Is liquor liability available as a standalone policy?Yes, Axiom offers liquor liability coverage either as part of a package or on a mono-line basis, depending on the account’s needs. What is the maximum umbrella or excess coverage limit offered?Axiom can provide umbrella or excess liability limits up to $10 million. Are there geographic restrictions for this program?The program is available in most U.S. states, including CA, TX, FL, IL, and others. Coverage is offered on a non-admitted basis. What factors impact minimum premiums?Minimum premiums vary and depend on factors like type of restaurant, presence of alcohol service, location, and loss history. Need help placing an account? Connect with a market specialist.

Advanced E&S Group - Southeast Region offers a monoline Liquor Liability program designed for agents who place establishments that sell, serve, or host alcohol. This program provides targeted protection for covered claims arising from negligent sale or service of alcoholic beverages and is underwritten to address high-exposure accounts, including venues with security and major entertainment. Liquor Liability — limits up to $1,000,000 per occurrence / $2,000,000 aggregate No general sublimit on Assault & Battery (adult clubs: $100,000/$300,000 sublimit) No cap on alcohol sales — suitable for high-volume bars and event venues Defense costs paid outside the policy limit Accepts risks with security staff and major entertainment bookings Liquor license holder is automatically included as an Additional Insured Coverage available for both licensed and unlicensed operations (including special events) Overview of the Program From Advanced E&S Group - Southeast Region This monoline Liquor Liability program is available through Advanced E&S Group - Southeast Region as a managing general agency placement. It is structured for agents who need flexible, market-responsive liquor liability limits and specialized underwriting for higher-risk hospitality operations. Policies are typically written on a non-admitted (surplus lines) basis and placed with a variety of markets to match the account’s risk profile. Ideal Accounts and Appetite The program targets a broad range of alcohol-exposed businesses, including: Neighborhood bars, taverns, and brewpubs Full-service restaurants with late-night operations Nightclubs and adult entertainment venues (note assault & battery sublimit applies for adult clubs) Banquet halls, event centers, and temporary special event operators Hotels and resorts with significant alcohol sales or large events Accounts with on-site security, regular live entertainment, or high alcohol turnover are welcome — underwriters have experience evaluating these exposures and can consider layered controls (security protocols, ID checks, training) when quoting. Coverage Highlights and Advantages Up to $1M/$2M limits — appropriate for medium to large exposures No blanket cap on alcohol sales, making the program suitable for high-volume operators Defense outside the limit preserves policy limits for indemnity Automatic Additional Insured status for liquor license holders simplifies contracting for venues Available for both licensed operators and unlicensed vendors or special events Underwriting Notes and Minimum Premiums Underwriters evaluate exposures by location, hours of operation, past loss activity, security practices, entertainment schedule, and the experience of management. The program accepts operations with security personnel and major entertainment, but higher scrutiny is applied to venues with known problem histories. Minimum premium: varies by state and risk profile; consult Advanced E&S Group - Southeast Region for state-specific minimums and guidelines. When submitting, include current liquor liability applications, loss runs, a description of security and ID procedures, and any event schedules for seasonal venues. Territories and Availability Available in the following jurisdictions: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, and DC. Coverage is placed on a non-admitted basis where required. Why Work With Advanced E&S Group - Southeast Region on Liquor Liability As an MGA focused on excess & surplus lines solutions, Advanced E&S Group - Southeast Region provides agents access to multiple appetite lines for liquor liability, flexible limits, and underwriting tailored to hospitality exposures. The program’s strengths include favorable assault & battery treatment for most classes, defense outside the limit, and willingness to consider complex accounts with security and entertainment components. Example submissions that fit well: a restaurant with a busy late-night bar and live music seeking $1M/$2M limits, or a banquet facility hosting frequent alcohol-served events that needs automatic liquor license holder Additional Insured status for third-party contracts. Frequently Asked Questions What types of accounts are a good fit for this liquor liability program?Accounts with substantial alcohol exposure such as bars, nightclubs, restaurants with late hours, banquet halls, and event operators are a good fit—especially when you need flexible limits, defense outside the limit, and automatic Additional Insured status for liquor license holders. Is this program available on admitted paper?No. The program is placed on a non-admitted (surplus lines) basis where necessary; Advanced E&S Group - Southeast Region places coverage with various markets to obtain the best terms for the risk. How does the program treat Assault & Battery exposures?There is no general sublimit on Assault & Battery for most classes. Adult clubs are the exception and are subject to a $100,000 per occurrence / $300,000 aggregate sublimit—disclose class details at submission. What underwriting information should I include with a submission?Provide a completed application, recent loss runs, description of security and ID checks, liquor license information, typical event schedules, and any contracts requiring Additional Insured status. These items speed underwriting and improve quote accuracy. Need help placing an account? Connect with a market specialist.

... • Art Displays • Bazaars • Banquets • Conventions • Craft Fairs and ...

...cluded for ancillary activities (banquets, concerts, award ceremonies) for tho...

Liquor Liability Insurance Insurance Markets Agency, Inc. offers a focused Liquor Liability Insurance program for businesses that manufacture, sell, serve, or distribute alcoholic beverages. Built for agents and brokers placing small- to mid-sized risks, this program delivers flexible underwriting, competitive pricing, and access to non-admitted markets. Coverage is currently available in Pennsylvania (PA) and New Jersey (NJ). Overview As a Managing General Agency, Insurance Markets Agency, Inc. works with multiple carriers to place liquor liability exposures that need non-admitted capacity and more flexible terms. The program is intended for accounts with generally clean loss histories and predictable operations. Minimum premiums vary by class and risk characteristics. Ideal Accounts and Appetite We target common alcohol-exposed classes where liquor liability is a primary exposure: Bars and taverns — on-premises accounts with alcohol sales up to $500,000, preferably with no liquor-related losses or violations in the last five years and limited drink specials or youthful clientele. Restaurants — dine-in and full-service restaurants with alcohol sales up to $1,000,000, clean five-year histories, and moderate drink promotions. Retail stores — liquor and convenience stores or distributors with off-premises sales up to $2.5M; multi-location accounts considered with a receipts breakout; aggregate per-location endorsement included. Nonprofit, fraternal, and social clubs — “Club Select” product for nonprofits with alcohol sales up to $500,000, no recent violations, and limited entertainment (banquet events preferred). Other eligible classes — banquet halls, country clubs, BYOB restaurants, off-premises caterers, bartending services, concessionaires, vineyards, and breweries. Coverage Highlights and Advantages This program emphasizes practical coverages and placement speed for routine liquor liability needs: Non-admitted placement for flexibility on unusual underwriting features. Aggregate per-location endorsement available for multi-site retail exposures. Automatic inclusion of club members as insureds on qualifying policies. Responsive MGA underwriting to get quotes and bind accounts quickly. Underwriting Notes and Minimum Premiums Preferred submissions have no liquor-related claims or regulatory violations in the past five years. Account characteristics that improve placement include professional staff training, clear ID/age-check policies, limited happy hours or drink promotions, and stable operating hours. Minimum premiums vary by class and carrier — confirm current minimums with an Insurance Markets Agency underwriter at submission. Territories and Availability This Liquor Liability program is offered in Pennsylvania (PA) and New Jersey (NJ) only. We are actively seeking appointed agents and brokers with clients in these states. Why Work With Insurance Markets Agency, Inc.? Insurance Markets Agency brings decades of specialty insurance experience and dedicated liquor liability underwriting. Working with us gives you: Access to non-admitted markets when standard markets are limited. Flexible approaches for multi-location retail accounts and club operations. A responsive team experienced in placing local bars, restaurants, and social clubs. Example accounts that often fit You might have a neighborhood pub with $350K in annual alcohol sales, clean loss history, and limited promotions — or a mid-scale bistro with $750K in alcohol receipts and a full-service bar. Both are representative risks this program is designed to place. For more information on our Liquor Liability Insurance or other products from Insurance Markets Agency, Inc., contact our team at 570-586-1471. Frequently Asked Questions What types of accounts are a good fit for this Liquor Liability program? Small- to mid-sized bars, taverns, restaurants, retail liquor stores, and nonprofit clubs with clean loss histories and moderate alcohol sales are primary targets for this program. Are multi-location risks eligible for coverage? Yes. Multi-location retail accounts are considered when you provide a breakdown of alcohol receipts by location; an aggregate per-location endorsement can be included. Is this program written on an admitted or non-admitted basis? This program is written on a non-admitted basis to allow greater underwriting flexibility for unique or higher-limit exposures. What states is this program available in? Coverage is currently available in Pennsylvania (PA) and New Jersey (NJ). Can nonprofit social clubs be covered under this program? Yes. The Club Select product is designed for nonprofit private, fraternal, and social clubs with modest alcohol sales, no recent violations, and limited entertainment. Need help placing an account? Connect with a market specialist.

  We've Got You Covered Umbrella Insurance Program for Hotels and Motels Overview — Hotel & Motel Umbrella Program from VAIL VAIL (Value Added Insurance Lines) offers a focused umbrella and ancillary-lines placement program designed for hotels, motels and other habitational hospitality risks. As a wholesale broker, VAIL places umbrella limits that supplement primary liability programs and helps agents secure layered protection for exposures common to lodging operations. Primary markets used include Fireman's Fund and other carriers across most available markets. Ideal Accounts and Appetite Mid-size to larger independent and franchise hotels and motels. Habitational properties with on-site food service, limited banquet operations, and standard amenities (pools, fitness rooms). Owners/operators seeking $5 million or $15 million umbrella limits over the primary policy. Accounts with disciplined loss control, up-to-date premises maintenance, and worker safety programs. VAIL typically looks for accounts with clear underwriting information, up-to-date property and liability limits, and reasonable loss histories. Risks with active, unresolved major claims, significant liquor liability exposure without proper controls, or high-hazard operations (e.g., large-scale nightclubs, amusement attractions) may not fit this program. Coverage Highlights and Advantages Umbrella limits available at $5 million and $15 million to extend liability protection above primary policies. Ancillary lines placement capabilities include workers’ compensation, EPLI for hotels & restaurants, and packaged programs for hospitality operations. Access to admitted and non-admitted markets through VAIL’s wholesale relationships — flexibility to find the best placement for your client’s need. Fast response and in-house binding on most programs to help close business quickly. Experienced underwriting team focused on habitational and hospitality exposures. Underwriting Notes and Minimums VAIL does not require a fixed minimum premium for submissions, allowing consideration of a wide range of account sizes. Standard submission materials include the current primary liability policy declarations, five years of loss runs, an application outlining property and operations, and details on risk management controls (e.g., pool fencing, security, food-safety certifications). Underwriting will evaluate occupancy, number of units/rooms, on-site food and beverage operations, liquor exposure, employee counts, and the quality of the primary carrier limits and retentions. Territories and Availability This program is available across a broad footprint: AL, AZ, AR, CA, CO, CT, DE, FL, GA, 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, PA, RI, SC, SD, TN, TX, UT, VA, WA, DC, WV, WI, WY. Admitted status: Most Available Markets — VAIL can typically place accounts in admitted or non-admitted markets depending on the client and state availability. Why Work With VAIL on Hotel & Motel Business Wholesale broker expertise in habitational and hospitality lines, with direct relationships to markets such as Fireman's Fund. Quick turnaround and in-house binding on most programs to help you close business and meet client timelines. Flexible approach to limits and multi-line solutions (umbrella plus EPLI, workers’ comp, and packages). Practical underwriting guidance to help you prepare stronger submissions and increase placement velocity. Example Accounts That Fit A 120-room independent hotel with an on-site restaurant and modest banquet operations seeking a $5M umbrella layer over primary GL — clean loss history and documented safety programs. A small regional motel chain with consistent operations across several states seeking $15M total umbrella capacity and coordinated EPLI coverage for on-site staff. We guarantee quick turnaround. In-house binding on most programs. Call us today to discuss placement options for your hospitality accounts. Frequently Asked Questions What types of hotel or motel accounts are the best fit for this VAIL umbrella program?Independent and franchise hotels or motels with standard on-site amenities (restaurant, pool, fitness area), reasonable loss history, and primary liability limits that can be layered are ideal. VAIL prefers accounts with documented risk management and routine maintenance programs. Are these umbrella placements admitted or non-admitted?Admitted status is listed as “Most Available Markets.” VAIL works across admitted and non-admitted markets and will seek the best available placement depending on the state, client preference, and underwriting requirements. Is there a minimum premium or limit requirement?There is no fixed minimum premium. Typical umbrella limits offered through this program are $5 million and $15 million. Final premium and minimums depend on the specific risk, attachments, and market selected. What submission documents should I include to get a quick quote?Provide current primary liability declarations, five years of loss runs, an application describing operations and exposures, and any documentation of safety or loss-control programs. Complete submissions help VAIL deliver faster quotes and binding decisions. Need help placing an account? Connect with a market specialist.

Overview of the Bollinger Club Program For more than two decades, Bollinger, Inc. has specialized in insurance for clubs and golf courses. The Bollinger Club Program delivers tailored property, casualty and employee benefit solutions for country clubs, golf courses, private clubs and nonprofit social or recreational clubs. Coverage options are designed to address the operational exposures common to the club industry, including liquor service, grounds maintenance, pesticide applications and special event operations. Ideal Accounts and Appetite The program fits a broad range of club-related risks, particularly well-managed organizations with stable loss histories. Typical accounts include: Private golf and country clubs Nonprofit social and recreational clubs Clubs with on-site restaurants, bars or banquet operations Properties that perform pesticide or grounds maintenance applications Operations with fleet or service vehicles, including valet or maintenance vehicles Examples you might place: a full-service golf course with banquet facilities and liquor exposure, or a seasonal nonprofit boating club that needs property, liability and employee benefit designs for a small staff. Accounts with excessive prior losses, unmanaged liquor exposure, or high-frequency severe claims may be outside the appetite. Coverage Highlights and Advantages The Bollinger Club Program offers multi-line flexibility so you can package necessary protections for a single premium administration. Key coverages include: Comprehensive General Liability Property and Inland Marine Commercial Auto Liquor Liability Pesticide & Herbicide Applicator Liability Workers' Compensation Directors & Officers (D&O) Liability Excess/Umbrella Liability (available up to $50 million) Group benefits — medical, dental, disability, life and prescription plans — are available alongside pension support and 401(k) options for nonprofit clubs. Packaging multiple lines through Bollinger can simplify placement and renewals for complex club operations. Underwriting Notes and Minimum Premiums Coverage is placed on a non-admitted basis through AIG. Bollinger underwriters work collaboratively with brokers to tailor limits, endorsements and risk management requirements to each account. Minimum premium requirements depend on the lines placed and the size and risk characteristics of the club; discuss specifics with your Bollinger market specialist when submitting. Territories and Availability The Bollinger Club Program is written for risks located in all 50 states and the District of Columbia, including 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, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, and WY. Why Work With Bollinger Bollinger brings more than 21 years of club and golf industry specialization, strong market access through AIG, and an underwriting team experienced in the nuances of club operations. Brokers benefit from program-focused expertise that helps place complex accounts, streamline multi-line designs, and support retention through informed renewal strategies. Frequently Asked Questions What types of accounts are a good fit for this program?The program is ideal for private golf clubs, nonprofit social clubs, and recreational facilities that need property, liability, and employee benefit coverage tailored to club operations. Is the program admitted or non-admitted?The Bollinger Club Program is placed on a non-admitted basis through AIG. What coverages are included in the program?Available coverages include general liability, property, auto, liquor liability, D&O, workers' compensation, excess liability, and employee benefits. Are benefits programs like medical and dental included?Yes. Group benefits such as medical, dental, disability, life insurance, and 401(k) plans are available and commonly packaged for nonprofit and member clubs. What states is the program available in?The program is available nationwide in all 50 states and the District of Columbia. Need help placing an account? Connect with a market specialist.