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Advanced E&S Group - Southeast Region’s Bar & Tavern Insurance Program helps agents place hospitality accounts with elevated liquor and premises exposures. Built for taverns, pubs, sports bars and similar drinking establishments where alcohol is a meaningful portion of revenue, this program pairs flexible coverage forms with market access through multiple non-admitted carriers to help you place accounts that may not fit admitted markets. Ideal Accounts and Appetite This program is a strong fit for: Neighborhood taverns and local bars Sports bars and pubs with roughly 50%–70% liquor sales Venues offering light, controlled entertainment (up to three nights per week) Common exceptions and classes generally not eligible: Adult entertainment venues Bottle clubs, large nightclubs, and private clubs Pool halls, billiard parlors, and other high-risk specialty venues If you represent casual drinking establishments with documented alcohol-service procedures, trained staff, and limited high-risk entertainment, this program is likely to be a good match. Coverage Highlights and Advantages The Bar & Tavern Insurance Program offers broad, hospitality-focused coverage options tailored for agents placing bar and tavern risks: Property coverage in basic, broad, or special form (building, contents) Liquor Liability — primary coverage for alcohol-related exposures Business income, equipment breakdown, food spoilage, computer equipment, outside signs and crime General Liability with options rated by seating capacity or revenues — available enhancements include assault & battery and garagekeepers where appropriate The program structure allows you to assemble tailored packages that address the common loss drivers for bars and taverns: liquor liability claims, premises liability, equipment failure and spoilage losses. Underwriting Notes and Minimum Premiums This program is placed on a non-admitted basis through various carriers. Underwriting focuses on clean, well-managed operations: documented alcohol-service policies, employee training (server/server-bartender training), security procedures, occupancy and entertainment controls, and claims history. Minimum premiums vary by state, carrier and account profile. Expect underwriting to consider location, seating capacity, alcohol sales percentage, entertainment schedule, and loss control measures when determining terms. Territories and Availability The Bar & Tavern Insurance Program is available in most U.S. jurisdictions, including: 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. State availability and specific terms may vary by carrier. Why Work With Advanced E&S Group - Southeast Region? As a Managing General Agency, Advanced E&S Group provides agents with direct access to non-admitted capacity and underwriters experienced in hospitality risks. The MGA model supports faster responses, flexible forms, and placement options for accounts that struggle to fit admitted markets. You’ll benefit from multiple carrier relationships and an emphasis on pragmatic underwriting for bars and taverns. Example scenarios: You have a neighborhood sports bar with 60% liquor sales, 150 seats, and live trivia twice weekly — the program can combine liquor liability, GL and property with business income and equipment breakdown to create a tailored package. You represent a small pub with high-value kitchen equipment and frequent catering events — the program’s property and equipment breakdown options plus crime and food spoilage coverage help address those exposures. Frequently Asked Questions What types of accounts are a good fit for this program?Bars, taverns, pubs and sports bars with roughly 50%–70% liquor sales and limited entertainment (no more than three nights per week) are ideal candidates. 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?Available coverages include liquor liability, property (basic, broad or special forms), general liability (with assault & battery options), business income, equipment breakdown, food spoilage, crime 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 the program available?The program is available in most states, including the Southeast Region and many others. Specific availability and terms vary by state and carrier. Need help placing an account? Connect with a market specialist.

Advanced E&S Group - Midwest Region is a trusted Managing General Agency and Surplus Line Broker specializing in providing tailored property and casualty insurance solutions for a wide variety of commercial classes. With broad underwriting capabilities and access to multiple surplus lines carriers, we help independent agents and brokers secure coverage for hard-to-place or specialized risks across the Midwest and beyond. Liquor Stores Insurance Program Overview: Our Liquor Stores Insurance program is designed to meet the unique risks and challenges faced by liquor retailers. Whether you're working with a standalone neighborhood bottle shop or a larger multi-location store, we can help you place coverage that addresses key exposures associated with selling alcohol and managing high-value inventory. Ideal Accounts and Appetite: Retail liquor stores with or without tasting areas High-volume or high-value inventory operations Locations with prior claims history that need surplus lines solutions Independent or franchise-operated stores Coverage Highlights and Advantages: Commercial General Liability (CGL) Liquor Liability – essential for alcohol sales Business Income and Business Interruption Property Coverage including Fire, Theft, and Glass Real and Business Personal Property protection Our program is available as a package or monoline solution, allowing for flexibility depending on your client's needs. We understand the nuanced liability risks liquor store owners face, and our coverage is designed to respond accordingly. Underwriting Notes and Minimum Premiums: Minimum premiums vary depending on the size, location, and risk characteristics of the account. We offer flexible underwriting for qualified risks and can often accommodate accounts that may not qualify for standard markets due to claims history, building age, or liquor sales percentages. Territories and Availability: This program is available in the following states: IA, IL, IN, KS, KY, MI, MN, MO, NE, NJ, NY, OH, PA, VA, and WI. All placements are written on a non-admitted basis through various surplus lines carriers. Why Work With Advanced E&S Group - Midwest Region: We bring deep expertise in underwriting liquor-related risks and have a strong understanding of the challenges agents face when placing these accounts. With access to multiple E&S carriers and a commitment to responsive service, Advanced E&S helps you provide your clients with competitive solutions, even for tough-to-place risks.You might have a client with a small urban liquor store that recently experienced a theft or fire loss—our program could be the right fit. Or perhaps a new owner is opening a store in a location where standard markets hesitate due to high liquor sales exposure—we can help place that risk effectively. Frequently Asked Questions What types of liquor store businesses are eligible for this program?We can consider standalone liquor stores, multi-location retailers, and stores with tasting areas. Accounts with prior claims or those needing surplus lines solutions are welcome. Is liquor liability included in this program?Yes, liquor liability is a key component of the program and can be included for eligible risks. Can I write monoline coverage or only package policies?Both options are available. We can write coverage as a package or on a monoline basis, depending on your client’s needs. What territories is this program available in?The program is available in IA, IL, IN, KS, KY, MI, MN, MO, NE, NJ, NY, OH, PA, VA, and WI. What is the minimum premium for this program?Minimum premiums vary based on the risk profile, location, and coverage needed. Contact us for underwriting review and pricing guidance. Need help placing an account? Connect with a market specialist.

Wine Bar Insurance Program from ProHost USA ProHost USA, Inc. offers a specialized Wine Bar Insurance program built for upscale wine-focused restaurants, lounges, and tasting rooms. This admitted program is tailored to the unique exposures of venues that center their operation on wine by the glass and pair that service with an elevated food experience—accounts that often don’t fit standard bar or restaurant markets. Ideal Accounts and Target Appetite This program is designed for wine-centric operations with a refined atmosphere and a meaningful culinary component. Agents should consider ProHost’s wine bar program when you represent clients who emphasize wine service over a full bar or nightclub model. Suitable accounts typically include: A wine lounge offering 75+ wines by the glass with a chef-driven tapas or small-plate menu An urban wine bar with a sommelier on staff and limited craft cocktail service Generally, accounts with heavy liquor or late-night nightclub operations, or those without a strong food program, will not fit this appetite. Coverage Highlights and Advantages ProHost’s Wine Bar Insurance package combines core property and liability coverages with hospitality-specific enhancements to protect wine-focused venues. Key features include: Liquor Liability – Included in the package in most states to address primary exposure for wine-serving operations. Excess Liability – Available to extend limits beyond the package. Restaurant Enhancement Coverage – Built-in protections tailored to food-and-beverage exposures. Admitted Paper – Policies are written on an admitted basis with an “A”-rated carrier, providing state-required compliance and stability. Proprietary Access – The program is proprietary to ProHost USA, giving agents access to a dedicated hospitality market. Underwriting Details and Minimum Premium Underwriting focuses on clearly defined, wine-forward concepts with an established food program and experienced front-of-house staff. The program requires quality submissions—accurate revenue breakdowns, floor plans, and information on liquor service policies will speed review. The minimum premium for this program starts at $5,000; final pricing varies with limits, exposures, and underwriting review. Territories and Availability The program is available on an admitted basis in most states, including major markets such as CA, TX, NY, FL, and WA. For reference, ProHost lists availability across the majority of U.S. states; confirm state eligibility when preparing submissions. Why Work With ProHost USA As a program administrator focused on hospitality, ProHost USA combines underwriting expertise and tailored coverages for niche restaurant and bar risks. Working with ProHost gives agents access to an exclusive admitted solution backed by an “A”-rated carrier and an underwriting team familiar with wine-focused operations. Example Account Scenarios You have a client operating a 60-seat wine bar with an experienced sommelier and a seasonal small-plates menu—this program can provide liquor liability and restaurant enhancements on admitted paper. You represent an upscale tasting room that serves flights and bottles and offers light food pairings. ProHost’s appetite and built-in restaurant coverage may be a strong fit where standard bar markets decline. Frequently Asked Questions What types of accounts are a good fit for this program?Upscale wine bars or lounges with a primary focus on wine service and a robust food menu are ideal. Establishments should have a refined atmosphere and not operate primarily as nightclubs or full bars. Is liquor liability included in the coverage?Yes. Liquor liability is included in the package in most states to address a key exposure for wine-serving establishments. What is the minimum premium for the wine bar insurance program?The minimum premium for this program is $5,000. Final premiums will vary based on limits, exposures, and underwriting review. Can I access this program in my state?The program is available in most states across the U.S., including major markets, and is written on an admitted basis in all available states. Confirm eligibility at submission. What makes ProHost USA different from other hospitality markets?ProHost specializes in hospitality risks and offers exclusive admitted programs with tailored coverage enhancements. The wine bar program is proprietary and backed by an “A”-rated carrier. Need help placing an account? Connect with a market specialist.

Accidents and injuries remain a reality in manufacturing, even with modern safety protocols and equipment. Don R. Jensen & Company gives agents and brokers access to competitive manufacturing workers’ compensation solutions designed to help protect your clients from those occupational risks. As a wholesale broker, Don R. Jensen & Company places manufacturing workers’ compensation with multiple markets. Our program generally starts at a minimum premium of $2,000 and can accommodate a range of manufacturing operations — from small machine shops to larger furniture producers. We work with underwriting partners to help you find practical solutions for standard and harder-to-place accounts. Target Classes We Consider We have appetite for a broad set of manufacturing operations. Examples of class codes we commonly consider include: Machine Shops Millwright Plastics Manufacturing Furniture or Wood Products Manufacturing Concrete/Cement Manufacturing Tool Manufacturing Engine Manufacturing Cloth/Canvas Manufacturing You might have a client running a regional plastics molding shop with 25 employees, or a custom furniture builder expanding into larger contracts — these are the kinds of risks we can help you place. Submission Requirements Completed ACORD application Three years of currently valued loss runs Experience Modification worksheet Please email all submissions to [email protected]. Territories and Program Availability We can write manufacturing workers’ compensation in most states, including CA, TX, FL, NY, IL, and PA. Our admitted status is All Available States, enabling you to service regional and multi-state operations where markets permit. Why Partner With Don R. Jensen & Company? Don R. Jensen & Company brings decades of experience in workers’ compensation placement, with specific insight into manufacturing exposures. As a wholesale broker we provide access to multiple carriers, help navigate underwriting nuances, and work to find competitive pricing and terms for both standard and more challenging risks. Learn more about our capabilities at www.drjco.com or on our company profile on CompleteMarkets. Frequently Asked Questions What types of accounts are a good fit for this program? This program fits small to mid-sized manufacturers such as machine shops, wood product manufacturers, plastics fabricators and similar operations that have manageable loss histories and standard manufacturing exposures. Is there a minimum premium requirement? Yes. The program’s minimum premium starts at $2,000. Do you require prior coverage or loss history? We generally request three years of currently valued loss runs and an Experience Mod worksheet. Accounts are reviewed individually; manageable loss histories are preferred but not always disqualifying. What states is this program available in? The program is available in most states, including CA, TX, FL, NY, IL, and PA. We can write in all available states where our admitted status applies. Who should I contact to submit an application? Send submissions and required documents to [email protected] for review by our underwriting team.

...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.

MANUFACTURER'S & DISTRIBUTOR'S INSURANCE Coverage's to include: General Liability (including Product Liability) Excess Liability Property Professional Liability (E&O) Directors & Officers (D&O) Employment Practices Liability Pollution Liability Risk Appetite (including but not limited to): Machinery & Equipment Chemicals Electronics Clothing Pharmaceuticals Neutroceuticals Medical Devices Food & Drink Products Child/Infant-related Products Cosmetics Automotive Parts Wood Products Ingestibles Animal Products Metal Products Tough Products E-Cig/Vaporizers Program Highlights: Minimum Premiums starting at $500 Access to over 40 markets All carriers AM Best A-rated or better In-house binding authority for select risks Domestic and London-based market options Overview of the Program From Ck Specialty Insurance As a family-owned and operated MGA and Surplus Lines Broker, Ck Specialty Insurance Associates, Inc. brings deep underwriting expertise and broad market access to support your manufacturing and distribution clients. Through our Manufacturer's & Distributor's Insurance Program, we help retail agents place complex and specialty risks in a wide range of product sectors. We specialize in helping you navigate hard-to-place or emerging risks with tailored solutions from A-rated carriers. Our wholesale relationships span more than 40 markets, including both domestic and London-based options, allowing us to provide flexible terms and competitive pricing for your clients. Ideal Accounts and Appetite This program is well-suited for a diverse range of manufacturing and distribution clients, including but not limited to: Pharmaceutical and Nutraceutical manufacturers Medical device producers and distributors Machinery, electronics, and automotive parts suppliers Cosmetics, food & beverage, and ingestible product companies Infant and child product manufacturers Firms involved in e-cigarette or vaporizer production If you’re working with a distributor of imported consumer electronics or a manufacturer of private-label cosmetics, this program is designed to handle their unique liability exposures. Coverage Highlights and Advantages Through this program, you can provide your clients with comprehensive protection that addresses the full spectrum of operational and product-related risks. Key coverage options include: Product Liability – critical for manufacturers and importers Pollution Liability – for chemical, industrial, or food-related operations Professional and D&O Liability – for companies offering design, consulting, or executive services Employment Practices Liability – for HR-related exposures In-house binding authority allows for quicker turnarounds on qualified risks, helping you respond faster to client needs. Underwriting Notes and Minimum Premiums We accept a wide range of risk classes and sizes, with minimum premiums starting at just $500. All carriers are A-rated or better by AM Best, ensuring your clients receive quality coverage backed by financial strength. Our underwriting team takes a collaborative approach, working closely with agents to structure the best possible terms. Territories and Availability This program is available to retail agents and brokers in Arizona (AZ), California (CA), Colorado (CO), and Texas (TX). We operate on a non-admitted basis, allowing us to tailor coverages for unique or hard-to-place risks outside of standard market appetite. Why Work With Ck Specialty Insurance? Ck Specialty Insurance is more than a wholesaler—we’re your strategic partner in placing specialty risk. As a Western-based, family-run operation, we understand the needs of regional businesses and the agents who serve them. With access to a wide range of surplus lines markets and a commitment to responsive service, we help you open more doors for your clients. Manufacturers & Distributors Insurance Ck Specialty Insurance is a family-owned & operated, Western-based MGA/Wholesaler/Surplus Lines Broker providing market access to retail insurance brokers in AZ, CA, CO, ID, MT, NV, OR, UT, & WA. Ck Specialty Insurance: Opening market doors…for you. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for manufacturers and distributors of products such as pharmaceuticals, medical devices, electronics, cosmetics, food and beverage items, and more—including higher-risk classes like chemicals and e-cigarettes. Is this program available on an admitted basis?No, this is a non-admitted program, which allows us to offer flexible solutions for difficult-to-place or emerging risks. What is the minimum premium for this program?Minimum premiums start at $500, depending on the risk profile and coverage selected. Can you help with accounts that need Pollution or Product Liability coverage?Yes, we offer both Pollution Liability and Product Liability as part of the program, making it suitable for businesses with significant environmental or product-related exposures. What states is this program available in?This program is currently available in Arizona, California, Colorado, and Texas through licensed retail agents and brokers. Need help placing an account? Connect with a market specialist.