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Advanced E&S Group - Southeast Region offers a specialized Bar & Tavern Insurance Program designed to help agents place business for hospitality accounts with unique risk exposures. This program is structured to provide comprehensive coverage for establishments where alcohol is a significant part of revenue, such as taverns, pubs, and local bars. Ideal Accounts and Appetite This program is a strong fit for: Neighborhood taverns and local bars Sports bars and pubs with 50%–70% liquor sales Venues offering light entertainment no more than three nights a week Common exceptions include: Adult entertainment venues Bottle clubs, nightclubs, and private clubs Pool halls or billiard parlors If you're working with clients who operate casual drinking establishments without high-risk entertainment features, this program is likely to be a strong match. Coverage Highlights and Advantages The Bar & Tavern Insurance Program includes flexible and broad coverage options tailored to the hospitality industry: Property coverage available in basic, broad, or special form Liquor Liability – essential for establishments where alcohol sales are a key revenue driver Property coverage includes building contents, business income, equipment breakdown, outside signs, computer equipment, food spoilage, crime, and more General Liability rated by seating capacity or revenues – includes assault and battery, garagekeepers, and more The comprehensive structure allows agents to protect their clients against a wide range of potential losses, from liquor-related incidents to food spoilage and equipment damage. Underwriting Notes and Minimum Premiums This program is written on a non-admitted basis through various carriers. Minimum premiums vary depending on account size, location, and risk factors. Underwriting is focused on clean operations with documented procedures around alcohol service, entertainment, and security. Territories and Availability The Bar & Tavern Insurance Program is available in most states, including but not limited to AL, FL, GA, NC, SC, TX, and many others. Please note that coverage terms and availability may vary by state. Why Work With Advanced E&S Group - Southeast Region? As a Managing General Agency, Advanced E&S Group brings strong market access and underwriting knowledge of hospitality risks. Their Bar & Tavern program is built for agents who need flexible solutions and quick turnaround on accounts that may not fit standard admitted markets. With access to multiple carriers and a deep understanding of the exposures bars and taverns face, Advanced E&S Group can help you place business for your hospitality clients with confidence. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for bars, taverns, pubs, and sports bars with 50%–70% liquor sales and limited entertainment (no more than three nights per week). Are nightclubs or adult entertainment venues eligible?No. This program excludes adult entertainment, bottle clubs, nightclubs, private clubs, and similar high-risk venues. What coverages are included in the program?Coverage includes liquor liability, property (with multiple form options), general liability (with assault and battery), business income, equipment breakdown, and more. Is this an admitted or non-admitted program?This program is written on a non-admitted basis through various carriers. In which states is this program available?The program is available in most U.S. states, including the Southeast Region and beyond. Availability may vary by state. Need help placing an account? Connect with a market specialist.

WDPG provides solutions for Gas Distributors Insurance needs. Customized Gas Distributors Insurance Competitive Pricing Direct Bill Plan Industrial and Medical Gas Insurance Acetylene Gas Manufacturing Crises Response coverage Escaped Gas coverage including Hostile Fire Enhanced coverage for clean-up of pollutants Broad Form Auto Pollution Coverage Overview of the Program from WDPG Insurance Program WDPG Insurance Program offers a targeted Gas Distributors Insurance product designed for brokers and agents placing accounts that handle industrial, medical and specialty gases. Underwritten by Chartis and managed by WDPG as a Managing General Underwriter, this program blends industry-specific coverage options with flexible billing and competitive terms. The program is positioned to address risks unique to gas distribution—from escaped gas and hostile fire exposures to pollution cleanup and crisis response. Ideal Accounts and Appetite This program is appropriate for a range of gas-related operations, including: Industrial and medical gas distributors Acetylene manufacturing and supply operations Companies that deliver or transport compressed gases (including cylinder fleets) Facilities with on-site filling, cylinder testing and storage WDPG generally favors accounts with documented safety procedures, current cylinder handling programs, and maintenance records. Accounts with large-scale chemical processing, heavy hydrocarbon refining, or significant underground pipeline operations may require specialized placement and are considered on a case-by-case basis. Coverage Highlights and Advantages Tailored Gas Distributors policy forms addressing escaped gas, hostile fire, and first-party cleanup costs Enhanced pollution and contaminant cleanup coverage, including limited crisis response Broad form auto pollution coverage for vehicle exposures while transporting cylinders and gas products Options for industrial and medical gas exposures, and specific accommodations for acetylene manufacturing Direct bill plan to simplify premium collection Access to admitted paper in most states with Chartis capacity Underwriting Notes and Minimum Premiums WDPG looks for clear information on operations, loss history, safety programs, and exposure controls. Typical submission requirements include ACORD applications, loss runs (preferably 5 years), cylinder inventories, and a brief description of operations and safety procedures. Minimum premium: No Minimum Premium. Pricing is competency-based and depends on exposure, limits, and loss history rather than a hard minimum premium threshold. Territories and Availability Admitted paper is available in most states. The program is available in: 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, WY. For territories not listed or specific non-admitted options, contact WDPG for guidance. Why Work With WDPG on Gas Distributors Business As an MGA focused on gas-related risks, WDPG combines underwriting expertise with Chartis capacity to offer products tailored for distributors and manufacturers of gases. Agents benefit from industry-aware underwriting, flexible billing options, and coverage forms crafted for the exposures typical to gas handling, transportation, and storage. Example account scenarios You have a regional medical gas supplier with a mixed fleet of delivery vehicles and a cylinder refill station — WDPG can evaluate fleet pollution exposure and cylinder-handling exposures together under one program. A small acetylene manufacturer with established safety protocols needs coverage for on-site operations and third-party liability arising from escaped gas events — this program can provide specialized limits and cleanup extensions. Frequently Asked Questions What types of accounts are a good fit for this program?Gas distributors, medical and industrial gas suppliers, acetylene manufacturers, and businesses that refill, store, or transport compressed gases are ideal candidates. Accounts with documented safety programs and reasonable loss histories are preferred. Is pollution and cleanup for escaped gas included?Yes. The program includes enhanced coverage options for cleanup of pollutants and escaped gas, and offers broad form auto pollution coverage for transportation exposures. Specific limits and terms depend on underwriting review. In which states is this program available and is it admitted?The program is admitted in most available states (see the full list in the storefront). WDPG places admitted paper through Chartis in the majority of U.S. states; contact the MGA for state-specific availability. What submission documents should I include?Provide a completed application (ACORD where applicable), five years of loss runs, a description of operations, cylinder inventories, safety protocols and any relevant training or inspection records to expedite underwriting. Are there minimum premiums or special billing options?There is no minimum premium. The program supports a direct bill plan to simplify premium collection and can discuss payment options during placement. Need help placing an account? Connect with a market specialist.

...ed in: Non-alcoholic beverage bottling (juices, soft drinks, flavored water...

Overview — Colonial General Insurance Agency, Inc. — Deli Insurance Colonial General Insurance Agency, Inc. offers a Deli Insurance program designed for independent agents and brokers placing coverage for food service establishments—dine-in or take-out operations. This program provides both property and liability options, written mono-line or as a package, and is best suited for small to mid-sized delis, sandwich shops, bakery-cafés, and similar food-service risks where alcohol sales are incidental (less than 30% of gross sales). Policy Highlights Key liability and property features available through this program: Commercial General Liability — Primary limits up to $3,000,000 occurrence and aggregate $5,000 Medical Payments coverage — included Additional interests — included at no charge Liquor Liability coverage available (alcohol sales must be under 30% of gross sales) Excess / Umbrella limits available up to $25,000,000 No deductible required on liability in many instances Property Coverage Options Selectable property features to protect the physical location, equipment and income: Accounts Receivable Basic, Broad or Special Form Building and/or Contents Business Income and Extra Expense Computer Equipment and Equipment Breakdown Food Spoilage and Inland Marine for rolling stock or equipment Outside Signs Replacement Cost or Actual Cash Value valuation Valuable Papers Crime Coverage Inside the Premises — Theft of Money and Securities Inside the Premises — Robbery or Safe Burglary of Other Property Outside the Premises Ideal Accounts and Appetite The program is tailored for: Independent delis, sandwich shops, small catering prep kitchens, and café/deli hybrids Locations with mostly prepared-food sales and limited alcohol service (less than 30% of revenue) Single-location or small multi-location operations without significant high-risk exposures (no on-site dance/entertainment, late-night bars, or large banquet operations) Typically not a fit: businesses where alcohol sales exceed 30% of gross receipts, full-scale bars/nightclubs, major catering operations with frequent large events, or accounts with serious open claims or uncontrolled loss history. Underwriting Notes Common submission requirements include a completed application, recent loss runs, current revenue breakdown (food vs. alcohol), menu or operations description, and proof of any licenses (e.g., liquor license). Underwriters will evaluate hours of operation, delivery services, catering exposure, safety controls (fire suppression in cooking areas), and prior loss history. Appetite and terms may vary by market; Colonial General places this business through a mix of admitted and non-admitted carriers (Some Available Markets). Carriers vary by risk characteristics and state. Territories and Availability Available in: AZ, CA, CO, ID, NV, NM, UT, WY. Coverage availability and form (admitted vs. non-admitted) depend on the state and carrier. Confirm state eligibility and any market-specific requirements at submission. Examples — Good Fits A neighborhood deli with dine-in and takeout, annual gross sales under $1.5M, limited alcohol by the bottle and beer/wine sales under 20% of revenue — ideal for combined property and GL with liquor liability. A small deli with a delivery and catering arm, modest kitchen equipment, and a history of clean loss runs — fits well for package placement including equipment breakdown and food spoilage coverage. Why Work With Colonial General on Deli Business? As an MGA and excess & surplus lines broker, Colonial General provides agents access to multiple markets and flexible packaging for food-service risks. The program balances liability limits up to $3M (with sizable umbrella capacity), crime and property options tailored to deli operations, and straightforward underwriting for common deli exposures. Colonial General is positioned to help agents place unique or borderline risks that need excess capacity or specialized E&S solutions. Frequently Asked Questions What types of deli accounts are the best fit for this program?The program is best for small to mid-sized delis, sandwich shops, and café/deli hybrids with primarily food sales and limited alcohol service (under 30% of gross sales). Single-location operators and small multi-location owners with manageable loss history typically fit well. Is liquor liability available and are there limits on alcohol sales?Yes — liquor liability coverage is available, but underwriters generally require alcohol to be less than 30% of gross sales. Verify the alcohol percentage and provide a copy of any liquor license at submission. Which states and market types are supported?The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Coverage may be placed with admitted or non-admitted markets depending on state and risk characteristics; carriers vary by submission. Need help placing an account? Connect with a market specialist.