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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.

Liquor Liability Insurance J.M. Wilson Corp. offers a robust Liquor Liability Insurance program designed to help agents and brokers place coverage for clients in the hospitality, retail, and event industries. Whether your insured sells, serves, or furnishes alcohol, we can help you protect them against claims involving intoxicated patrons causing property damage, bodily injury, or other liabilities. Ideal Accounts and Appetite Our program is tailored for a wide range of businesses that require liquor liability coverage. We work with both admitted and non-admitted markets, providing flexibility across risk classes. Target classes include but are not limited to: Bars and Taverns Restaurants Nightclubs Country Clubs On-Premises Banquet Facilities Adult Entertainment Clubs Package Stores Retail and Wholesale Liquor Distributors Breweries and Vineyards Concessionaires and Caterers for Hire Special Events and Temporary Liquor Vendors Private and Fraternal Clubs Bowling Alleys If you have clients across these classes—or more—J.M. Wilson can help you find a market that fits. Coverage Highlights and Advantages Liquor Liability Insurance from J.M. Wilson provides protection for businesses when a patron becomes intoxicated and causes injury or property damage. Our policies can help address exposures that arise from alcohol service and sales, including: Third-party bodily injury or property damage claims Defense costs and legal fees Assault and battery coverage (where available) Coverage for special events or one-time needs We represent a wide range of carriers, enabling us to find competitive solutions for both standard and hard-to-place risks. Underwriting Notes and Minimum Premiums Minimum premiums vary depending on the class of business, location, and risk characteristics. We are able to submit to multiple carriers to find the best available terms for your client. Our team will work with you to determine eligibility and quote turnaround times based on the specific account. Territories and Availability This program is available in the following states: AL, AR, GA, IL, IN, IA, KS, KY, MI, MN, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI. We offer access to both admitted and non-admitted markets, depending on the state and classification. Why Work With J.M. Wilson on Liquor Liability? As a trusted Managing General Agency and Excess & Surplus Lines Broker, J.M. Wilson brings decades of experience and strong carrier relationships to every submission. We understand the complexities of liquor-related risks and can help you navigate the underwriting process efficiently. Our team is committed to providing responsive service and helping you find the right coverage for your clients—whether it's a local tavern, a multi-location restaurant group, or a one-time event. For more information about this program or to discuss a specific account, please contact our team by phone or email. Frequently Asked Questions What types of accounts are a good fit for this Liquor Liability program?This program is ideal for bars, restaurants, nightclubs, banquet halls, liquor stores, breweries, vineyards, and special event vendors that serve or sell alcohol. Can you write coverage for one-time or special events?Yes, we can help you place liquor liability coverage for temporary or special events such as festivals, weddings, or concerts. Are both admitted and non-admitted markets available?Yes, J.M. Wilson works with a variety of admitted and non-admitted carriers, offering flexibility based on client needs and underwriting eligibility. What information is needed to get a quote?Basic underwriting information typically includes the type of operation, alcohol sales percentage, prior loss history, and event details (if applicable). Our team can guide you through the full submission process. In which states is this program available?This Liquor Liability program is available in AL, AR, GA, IL, IN, IA, KS, KY, MI, MN, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI. Need help placing an account? Connect with a market specialist.

Normandy Harbor Insurance Company, an admitted Florida-based carrier, offers a focused Workers' Compensation program built specifically for private golf and country clubs. Designed for agents who place hospitality and recreational risks, this program suits clubs with a track record of safety and at least three years of favorable loss history. Normandy Harbor combines tailored underwriting, specialist loss control support, and strong claims service to give agents a dependable option for this niche exposure. Ideal Accounts and Appetite This program targets private golf and country clubs operating in Florida. Normandy Harbor prefers accounts with a minimum of three years of improving or consistently favorable loss history and a demonstrated commitment to employee safety. Typical classes and exposures that fit the program include: Groundskeeping and turf maintenance crews Golf professionals and instructors Food & beverage service, banquet and catering staff Facility maintenance, pool attendants, and clubhouse cleaners Administrative and managerial personnel with lower loss potential Coverage Highlights and Advantages Normandy Harbor’s Workers' Compensation program gives agents flexible payment choices and value-added services that help control loss costs: Flexible payment plans: pay-as-you-go; 10% down with monthly payments; 10% down with 9 installments; or 12 equal installments In-house loss control team with club and hospitality expertise to help reduce frequency and severity Aggressive, responsive claims handling focused on timely return-to-work Strong reinsurance support and a consistent history of dividend distributions for well-performing accounts These features make it easier for agents to place and retain club business while offering insureds practical tools to manage exposures and cash flow. Underwriting Notes and Minimum Premiums The program is available to qualifying Florida clubs with a minimum premium starting at $1,000. Underwriters look for accounts that demonstrate a clean or improving loss history, documented safety programs, and reasonable payroll and class code mixes for club operations. Normandy Harbor’s underwriting team partners with agents to review submissions and provide tailored quotes that align with each club’s operations and risk profile. Territories and Availability This Workers' Compensation program is currently available in Florida. Normandy Harbor is admitted in the state, providing the regulatory certainty agents and clients expect when placing coverage with a domestic carrier. Why Work With Normandy Harbor Normandy Harbor focuses on Workers' Compensation for niche hospitality and recreational classes, bringing specialized underwriting and service to golf and country club accounts. Agents benefit from: A market that understands club operations and exposures Industry-specific loss control resources to help reduce claims Competitive payment flexibility to help insureds manage cash flow Responsive claims handling and a history of dividend distributions for strong performance Example scenarios you might place with this program: A private 18-hole country club in central Florida with dedicated grounds and clubhouse teams, three years of improving loss runs, and established safety programs. A lakeside golf club with modest banquet operations and a history of low-severity slips and strains, seeking flexible payment terms and proactive loss control. If you have Florida club accounts that meet the minimum premium and loss history requirements, Normandy Harbor can be a reliable option to retain and grow that business. Frequently Asked Questions What types of accounts are a good fit for this program?Private golf and country clubs in Florida with at least three years of favorable or improving loss history and documented safety practices are ideal candidates. What payment options are available to insureds?Normandy Harbor offers flexible plans including pay-as-you-go, 10% down with monthly payments, 10% down with 9 installments, and 12 equal installments. Is this program available outside of Florida?No. This Workers' Compensation program is currently only available in Florida, where Normandy Harbor is an admitted carrier. What is the minimum premium?The minimum premium for qualifying accounts starts at $1,000. Does Normandy Harbor provide loss control support?Yes. Normandy Harbor offers an in-house loss control team with club- and hospitality-focused services to help insureds reduce risk and manage claims. 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.

An establishment that sells, serves, or facilitates the purchase of alcohol faces significant liability exposure if a patron causes injury or property damage due to intoxication. In many states, businesses can be held responsible for damages—even on questionable claims. Because standard General Liability policies commonly exclude liquor-related claims, specialized liquor liability protection is essential. Midlands Management Corp offers a dedicated Liquor Liability Insurance program built to help agents place coverage for a wide range of alcohol-selling and alcohol-serving businesses. Whether your client runs a nightclub, restaurant, or liquor store, Midlands can provide tailored solutions that address real-world risks. Program Highlights • Policy limits up to $1,000,000 per occurrence / $2,000,000 aggregate • Assault and battery coverage up to $1,000,000 • Defense costs paid in addition to the policy limit • Additional insured coverage available • No deductible • Special event coverage available (can include liquor liability and general liability) • Premiums based on risk type and annual liquor receipts • Discounts available for documented risk control measures • Fast quote turnaround and efficient policy issuance • Streamlined claims reporting and resolution process Target Classes • Bars and Taverns • Pubs and Cocktail Lounges • Nightclubs and Discotheques • Dance Bars and Adult Entertainment Clubs • Restaurants with alcohol service • Grocery, Convenience, and Liquor Stores • Off-premises alcohol retailers • Banquet Halls and Special Event Venues • Fraternal and Social Clubs • Civic and Private Clubs • Comedy Clubs and Dinner Theaters • Bowling Alleys, Billiards, and Pool Halls • Alcoholic Beverage Distributors Overview — Midlands' Liquor Liability Program Midlands Management Corp is a managing general agency and carrier partner with broad access to multiple markets. This Liquor Liability program is flexible and can be placed in both admitted and non-admitted markets, allowing agents to find solutions for a wide variety of accounts. Midlands combines experienced underwriting with responsive service and quick turnarounds to make placement smooth for brokers. Ideal Accounts and Appetite This program targets standard to moderately complex liquor risks. Strong fits include: - Full-service restaurants and bars with trained staff and documented policies - Nightclubs and live-music venues with security and crowd controls in place - Off-premises sellers such as liquor or convenience stores - Banquet halls and venues offering open bars for events - Distributors and wholesalers with predictable distribution channels Accounts that typically require specialized underwriting (extensive prior losses, unmanaged underage sales, or high-risk adult entertainment without controls) may need additional review and risk mitigation before quoting. Coverage Advantages Midlands’ program focuses on practical coverages agents need: - Defense costs outside the limits for broader protection against litigation expenses - Assault & battery limits to respond to violence-related claims at licensed premises - No deductible on the liquor liability portion for clearer cost expectations - Option to add additional insureds for venues and event partners - Ability to package special event coverage with general liability for one-off exposures Example scenarios: You might have a client who operates a small-town tavern with weekend live music and a documented security plan — Midlands can quote primary liquor liability limits and assault & battery coverage. Or a catering company that provides bar service for weddings can be quoted special event coverage that combines liquor and general liability for a single policy term. Underwriting Notes and Minimum Premiums Underwriting emphasizes documented risk controls: employee training on service laws, incident logs, security procedures, and clear alcohol policies. Premiums are calculated by risk type and annual liquor receipts; minimum premiums vary by state and carrier appetite. Provide recent loss runs, liquor receipts, and descriptions of risk controls for the quickest response. Territories and Availability This program is available in most U.S. states, including: 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, VT, VA, WA, DC, WV, WI, WY. Midlands can quote business in nearly every state, making them a solid option for agencies with multi-state clients. Why Work With Midlands Management Corp - Broad market access through multiple carriers and flexible admitted/non-admitted placement options. - Experienced underwriters familiar with hospitality and retail liquor exposures. - Fast turnaround on quotes and policy issuance to help you win and bind business quickly. - Practical appetite for routine to moderately complex accounts, with options for special events and packaging. Get Started Today Don’t leave your clients unprotected. Email us for a quote: [email protected] Midlands also offers commercial package options that can combine Liquor Liability, General Liability, Special Events, and more. Frequently Asked Questions What types of accounts are a good fit for this program?Bars, nightclubs, restaurants, liquor stores, social clubs, and special event venues are all well suited. The program also accommodates distributors and off-premises alcohol retailers. Is special event coverage available?Yes. Midlands offers special event coverage that can include both liquor liability and general liability, ideal for weddings, festivals, and temporary events where alcohol is served. What is the minimum premium for coverage?Minimum premiums vary by state, carrier, and the type of risk. Midlands underwrites based on annual liquor receipts and documented controls; provide receipts and loss history for an accurate quote. Are defense costs included in the policy limit?No. Defense costs are covered in addition to the policy limit, which helps preserve indemnity limits for settlements or judgments. Which states is this program available in?The Liquor Liability program is available in nearly all U.S. states. Contact Midlands for specific state availability and admitted vs. non-admitted options for a given location. Need help placing an account? Connect with a market specialist.

... celebrations Private parties, banquets, and baby showers Community fairs ...eddings, concerts, sporting events, banquets, festivals, religious celebration...

The short term special event insurance program is designed for organizers of short term special events that meet the following criteria: - Total attendance is 12,000 or less - Maximum number of consecutive event days is 10 not including set-up or tear-down - Event is head at a single location (except for weddings - coverage can be extended to include the rehearsal, ceremony, and reception as a single event) - Event must take place in the United States Eligible Operations for Short Special Term Event Insurance: (Including but not limited to) - After-prom party insurance school-sponsored event only) - Pageant insurance - Party insurance - Auction insurance - Quinceanera insurance - Award presentation insurance - Recital insurance - Banquet insurance (dance, music) - Bazaar insurance - Religious event insurance - Car/Motorcycle/RV/Boat - Reunion insurance show insurance - School band or drill team (static display only) competition insurance - Concert insurance - School carnival insurance - Charity event insurance (no rides/inflatables) - Concert insurance - Show insurance (animals-arena (call for approval) setting only, art, baby, craft, etc.) - Convention insurance - Debut or debutant - Social gathering/reception insurance ball insurance - Speaking engagement insurance - Festival insurance - Theatrical performance insurance - Flea market insurance - Wedding activity insurance - Graduation ceremony insurance (rehearsal, ceremony or reception) - Job fair insurance - Lecture insurance - Meeting insurance - Walking tour insurance (garden, holiday, parage of homes, historical sites)-single location parties Coverages Available & Program Highlights: General Liability - Bodily Injury and Property Damage - Personal and Advertising Injury - Products and Completed Operations - Damage to Premises Rented to You - Medical Expense - No Charge for Certificates of Insurance - Host Liquor Liability Included Liquor Liability - Primary (not available in AK, DC, HI, IA, MI) Increased Medical Expense (optional and not available online) K&K Insurance Group offers sports and recreations websites offering online purchasing capabilities and commission for agents and brokers. The website is simple to use and provides an option to purchase coverage immediately using a credit card. K&K, a leading provider of sports, leisure and entertainment insurance programs, is a key supplier of coverage to the sports and leisure industry and is pleased to offer this innovative design for our clients’ convenience. The program offers 10% commission to insurance agents when using the online binding system. A convenient registration area allows agents to manage quotes and bound accounts. Coverage can be purchased at the following site: www.eventinsurance-kk.com New! A Walk/Run Program designed specifically for competitive or non-competitive events. Please visit www.WalkRunInsurance-kk.com to apply online. Please contact our regional sales directors for questions about programs offered by K&K. David Mello – AK, AZ, CA, CO, HI, IA, ID, IL, KS, MA, ME, MN, MO, MT, ND, NE, NH, NJ, NV, NY, OK, OR, SD, UT, VT, WA, WI, WY [email protected] 260.438.7611 Nick Pentsos – AL, AR, CT, DC, DE, FL, GA, IN, KY, LA, MD, MI, MS, NC, NJ, OH, PA, RI, SC, TN, TX, VA, WV [email protected] 260.222.1864

...you participate), picnics, award banquets and ceremonies and incidental fundra...