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Overview — Family/Fine Dining Restaurant Insurance Program Advanced E&S Group - Southeast Region offers a targeted Family/Fine Dining Restaurant Insurance Program designed for full-service dining operations where food service is the primary revenue source and on-premises alcohol sales are secondary. This program is offered through our managing general agency relationship with multiple admitted and non-admitted carriers (see state availability below) and is structured to give agents a single, straightforward option for mainstream sit-down restaurants. Ideal accounts and appetite Independent family restaurants, neighborhood bistros, and fine dining establishments with table service. Operations with limited bar activity (liquor receipts generally under 50% of total sales). Single-location restaurants and small multi-unit owners where exposures are typical and well-managed. What this program helps you place This program is designed to address the most common restaurant exposures agents see: property damage, business interruption, equipment breakdown, food spoilage, employee and customer injuries, and liquor liability. Coverage is flexible so you can match limits and forms to the account’s needs while keeping submission requirements efficient for routine risks. Coverage highlights and advantages Property — broad, basic, or special form options available for building and contents. Business income and extra expense coverage to protect revenue during a covered loss. Equipment breakdown and food spoilage coverage tailored to restaurants’ refrigeration and kitchen equipment. General liability — rated by seating capacity and/or revenues; includes assault & battery coverage where applicable and options for garagekeepers exposures if valet services are provided. Liquor liability coverage for qualifying accounts with moderate alcohol sales. Optional extensions: outside signs, computer equipment, crime, and other common restaurant enhancements. Access to multiple carrier partners through Advanced E&S Group’s underwriting relationships, allowing placement flexibility for borderline accounts. Underwriting notes and restrictions Underwriters will prefer operations with formal food-safety procedures, up-to-date fire and suppression systems, and clear separation of bar operations from dining when applicable. The following are typically ineligible for this program: Restaurants with liquor receipts greater than 50% of total sales. Bars, taverns, nightclubs, bottle clubs, or private clubs — these may be eligible for our separate bar/tavern program. Operations with playgrounds or playrooms, pool halls, billiard parlors, or most fast-food establishments. Minimum premium and final terms vary by state and carrier; submit the account for a precise quote. Territories and admitted status This program is available through Advanced E&S Group - Southeast Region in: CA, CO, FL, GA, IL, LA, NC, and SC. Availability varies by carrier and risk characteristics. Note: placements may be written on admitted or non-admitted paper depending on the carrier and state — review the quote for status. Why place this business with Advanced E&S Group - Southeast Region? MGA market access: We work with a panel of carriers to find the best fit for routine family and fine dining restaurants. Streamlined submissions: Underwriting focuses on the exposures that matter for restaurant operations — food safety, liquor exposure, and kitchen equipment. Practical endorsements: Options for food spoilage, equipment breakdown and assault & battery give you tools to tailor the package to your clients. Service orientation: We support agents with clear appetite guidance and underwriting feedback to reduce resubmissions and speed placement. Example scenarios You might have a client who operates a 120-seat family restaurant with limited bar service, a full commercial kitchen, and on-site parking with a valet contractor. This program can provide building and contents coverage, business income, equipment breakdown, liquor liability, and general liability rated to seating/revenue. Conversely, a downtown nightclub with >50% liquor sales would be redirected to our bar/tavern program. Frequently Asked Questions What types of restaurants are a good fit for this program?Full-service family restaurants, fine dining establishments, and similar sit-down operations where food is the primary revenue source and liquor sales are secondary (typically under 50%). Single-location and small multi-unit accounts with standard risk controls fit best. Are bars and nightclubs eligible?No. Bars, taverns, nightclubs, bottle clubs, and private clubs are generally not eligible for this program; those accounts are evaluated under Advanced E&S Group’s separate bar/tavern program. What coverages can I add to a restaurant package?Common enhancements include equipment breakdown, food spoilage, outside signs, computer equipment, crime, assault & battery, and liquor liability (for eligible accounts). Available options depend on carrier and state. How do you handle accounts with valet parking or garage exposures?Garagekeepers and valet exposures can be accommodated when properly disclosed and rated. Provide details on operations, contractor agreements, and limits requested so underwriters can assess and quote appropriately. Which states are supported and is this admitted paper?The program is available in CA, CO, FL, GA, IL, LA, NC, and SC. Placement may be on admitted or non-admitted paper depending on the carrier and the state — the quote will show the final status. 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.

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.

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.

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