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

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

Liquor Liability Insurance Insurance Markets Agency, Inc. offers a specialized Liquor Liability Insurance program tailored to meet the needs of businesses that manufacture, sell, serve, or distribute alcohol. Designed for agents and brokers looking to place liquor liability coverage for a variety of small to mid-sized risks, this program provides flexible underwriting, competitive pricing, and access to non-admitted markets. Coverage is currently available in Pennsylvania (PA) and New Jersey (NJ). Bars and Taverns: We provide coverage for small to mid-sized bars and taverns with alcohol sales of $500,000 or less. Ideal risks will have no liquor-related losses or violations in the past five years, moderate drink specials or happy hours, and a non-youthful clientele. This program is suitable for neighborhood pubs and casual lounges with stable operational histories. Restaurants: Our restaurant appetite includes dine-in establishments with alcohol sales of $1 million or less. Accounts should have no violations or claims in the past five years, and offer moderate drink promotions. Examples include mid-scale bistros, grills, or family-style restaurants that offer full-service dining with a bar component. Retail Stores: This product covers retail establishments that sell or distribute alcohol for off-premises consumption. We target risks with alcohol revenues of $2.5 million or less and clean loss histories for the past five years. Multi-location risks are eligible with a breakdown of receipts per location. Automatically included is an aggregate per location endorsement. Eligible classes include liquor stores, convenience stores, and wholesale and retail distributors. Non-Profit Private, Fraternal, and Social Clubs: Our “Club Select” product is crafted for nonprofit clubs with annual alcohol sales of $500,000 or less. Preferred risks have no claims or violations in the last five years, do not offer drink specials or happy hours, and limit entertainment to banquet events. Club members are automatically included as insureds under the policy. Other Eligible Risks: We also consider a variety of other classes, including on-premises banquet halls, country clubs, BYOB restaurants, off-premises caterers, bartending services, concessionaires, vineyards, and breweries. If your client’s business involves alcohol and does not fit traditional categories, we may still have a solution. Underwriting Considerations: As a Managing General Agency, Insurance Markets Agency, Inc. works with a variety of carriers to find the right fit for your client. The program is written on a non-admitted basis, allowing for greater flexibility. Minimum premiums vary based on class and risk characteristics. Availability: This Liquor Liability Insurance program is currently offered in Pennsylvania (PA) and New Jersey (NJ). We are actively seeking appointed agents and brokers with clients in these states. Why Work with Insurance Markets Agency, Inc.? With decades of specialty insurance experience, we offer agents responsive service and underwriting expertise in the liquor liability space. Whether you’re placing a local bar with clean operations or a private club with banquet liquor exposure, our team can help you secure the right coverage quickly and efficiently. For more information on our Liquor Liability Insurance or any other product we offer at Insurance Markets Agency, Inc., please contact us at 570-586-1471. Frequently Asked Questions What types of accounts are a good fit for this Liquor Liability program?We target small to mid-sized bars, taverns, restaurants, retail liquor stores, and nonprofit clubs with clean loss histories and moderate alcohol sales. Are multi-location risks eligible for coverage?Yes, we can consider retail stores and other operations with multiple locations, provided you submit a breakout of alcohol receipts for each location. Is this program written on an admitted or non-admitted basis?This program is written on a non-admitted basis to provide more underwriting flexibility for unique risks. 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, our Club Select product is specifically designed for nonprofit private, fraternal, and social clubs with modest alcohol sales and no recent violations. Need help placing an account? Connect with a market specialist.

...re directly related to the event—banquets, awards ceremonies, concerts, and si...overed? Yes—award ceremonies, banquets, and similar activities are typic...

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.

From banquets to festivals and everything in betwe...(selected): • Wedding Receptions • Banquets • Auctions • Fairs and Festivals ...

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

... Celebrations Private Parties, Banquets, and Baby Showers Community Fairs ...eddings, concerts, sporting events, banquets, festivals, religious celebration...

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

...ewide tournaments Fundraisers, banquets and all-star games Scholastic comp...