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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 - 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.

McGowan Excess & Casualty Excess Auto Umbrella Insurance Overview of the Program From McGowan McGowan Excess & Casualty, part of The McGowan Companies, offers a specialized Excess Auto Umbrella Insurance program designed for high-risk auto-related operations. This program provides flexible umbrella and excess liability solutions tailored for commercial auto clients with significant exposure. As a Managing General Underwriter (MGU), McGowan has access to a broad range of markets and underwriting expertise, helping agents secure competitive and comprehensive coverage for hard-to-place or high-limit accounts. Ideal Accounts and Appetite This program targets a wide range of transportation-related and delivery-focused operations, including but not limited to: School Bus Operators Shuttle Buses Non-Emergency Medical Transportation (NEMT) Ambulances Sand & Gravel Haulers Mix-in-Transit Vehicles Water Haulers Trash/Garbage Hauling Companies Beverage Distributors Fuel Oil Delivery Services If you have clients in these industries that require higher liability limits due to contracts, municipal requirements, or elevated exposures, this program may be a strong fit. Coverage Highlights and Advantages McGowan offers both Commercial Umbrella and Follow Form Excess Liability products to meet a variety of coverage needs. Whether your insured needs coverage over auto, general liability, or employer’s liability, McGowan can help structure a layered solution. Umbrella Limits: Starting at $1 million, with capacity up to $100 million Excess Layers: Available from $1 million to $100 million above a lead umbrella Coverage Types: Commercial Umbrella Liability and Follow Form Excess Liability This flexibility allows you to build coverage towers that align with your client's contractual obligations or internal risk management strategies. Underwriting Notes and Minimums McGowan typically requires an A- / VII AM Best rating on underlying carriers, although exceptions may be considered for Employer’s Liability carriers. Their underwriting team understands niche transportation risks and can work with you to evaluate complex accounts. No specific minimum premium is listed, but pricing will reflect the risk class, limits requested, and territory. Territories and Availability The Excess Auto Umbrella Insurance program is available in most states, including 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, and WY. Most options are offered on a non-admitted basis, providing greater flexibility for tailored solutions. Why Work With McGowan McGowan Excess & Casualty brings specialized underwriting expertise and market access to a challenging segment of the commercial auto space. Their team understands the exposures associated with high-capacity vehicles, hazardous cargo, and municipal contracts. With flexible limits, broad appetite, and a commitment to responsiveness, McGowan is a valuable partner for agents placing excess auto liability coverage. If you're working with clients who operate large fleets, transport hazardous or regulated materials, or simply need higher excess liability limits, McGowan’s Excess Auto Umbrella Insurance program is built to support your placement needs. For more information on Excess Auto Umbrella Insurance, please contact us! Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for transportation-related risks such as school buses, shuttle services, ambulance fleets, and fuel or beverage delivery companies needing higher liability limits. What limits are available through this program?Umbrella and excess limits range from $1 million up to $100 million, depending on the risk and underlying coverage. Do underlying carriers need to meet certain ratings?Yes, underlying carriers typically need an A- / VII AM Best rating. Exceptions may be made for Employer’s Liability carriers. Is this program available in all states?The program is available in most U.S. states. Please check availability for your client's state before submission. What makes McGowan a strong partner for this type of coverage?McGowan offers niche underwriting expertise, access to a wide range of markets, and the ability to structure high-limit layered liability solutions tailored to complex auto-related risks. 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.

GlassPro® from NIP Group is a specialty insurance program built for the glass industry. Whether your client is a glazier, glass dealer, or installer, GlassPro® delivers tailored coverages that address the risks of glass handling, transport, and installation. The program is especially useful for accounts that are difficult to place in standard markets because of the specialized exposures glass work creates. Ideal Accounts and Appetite GlassPro® targets businesses whose primary operations involve glass sales, fabrication, or installation. Typical classes include: Glass and glazing contractors (glaziers) Glass dealers and merchants Commercial and residential glass installers Examples you may bring: a contractor installing custom storefront glass for retail tenants, or a firm specializing in high-rise window glazing that needs coverage for installation exposures and transit. Accounts with significant installation, transportation, or on-site glazing work are a strong fit. Coverage Highlights and Advantages GlassPro® addresses the liability, property, and inland marine risks common to glass trades. NIP Group places this program with multiple carrier partners so you can tailor coverage to the account’s exposures. Typical options include: Commercial General Liability and property coverage Installation floaters to cover glass while being installed Inland marine for tools, equipment, and mobile property Commercial auto where business autos are exposed Workers’ Compensation in selected states Because NIP Group works with several markets, you can often structure limits, deductibles, and endorsements to match complex or high-exposure operations. Underwriting Notes and Minimum Premiums Minimum premiums vary by state, account size, and selected coverages. To speed placement, include a completed application, current loss runs, and clear details on operations, payroll, revenues, vehicle use, and any subcontracting practices. NIP Group’s underwriters can provide guidance on needed documentation and common credits or restrictions for high-risk operations. Territories and Availability GlassPro® is available in most U.S. states, including but not limited to CA, FL, TX, NY, IL, and PA. Coverage is offered on an admitted basis in most states, providing regulated products where required. For state-specific availability and admitted options, contact NIP Group underwriting. Why Work With NIP Group on Glass Accounts NIP Group is a Managing General Agency with deep experience building niche programs for hard-to-place industries. With GlassPro®, you get an underwriting team familiar with glass trade operations, practical risk controls, and carrier relationships that increase the likelihood of placement. NIP Group provides responsive service and flexible solutions to help you win and retain complex glass accounts. CONTACT Frequently Asked Questions What types of accounts are a good fit for the GlassPro® program?GlassPro® is best for glaziers, glass contractors, dealers, and installers in commercial or residential settings—especially those with installation, transport, or on-site glazing exposures. Is this program available nationwide?The program is available in most U.S. states, including CA, TX, NY, FL, and others. Contact NIP Group for confirmation of state-specific availability and admitted options. Are coverages offered on an admitted basis?Yes. Coverage is available on an admitted basis in most states, providing regulated products where required. Non-admitted options may be available for select risks. What information is needed to submit an account?Provide a complete application, current loss runs (when available), and details on operations, payroll, revenues, vehicle exposure, and subcontractor arrangements to expedite underwriting. Can GlassPro® cover installation floaters and mobile equipment?Yes. Installation floaters and inland marine coverage for tools and equipment can be included depending on the account’s needs and chosen carrier. Need help placing an account? Connect with a market specialist.