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Program Overview The Bowling Centers Insurance Program from NIF G...y entertainment centers that include bowling are all good fits. Underwriters p...

Program Overview The Bowling Centers Insurance Program from NIF G...y entertainment centers that include bowling are all good fits. Underwriters p...

...d for operations such as arcades, bowling alleys, billiard halls, batting cage...r amusement centers such as arcades, bowling alleys, batting cages, shooting ranges, a...

...nimum premium as low as $1,000) Bowling alleys Miniature golf centers Go...gram?Ideal accounts include arcades, bowling alleys, go-kart tracks, trampoline parks ...

...Restaurants Country clubs Bowling alleys Caterers Package stor...e classes such as bars, taverns, and bowling alleys typically carry higher minimums. C...

...g Cages Beach Clubs Bingo Parlors Bowling Centers Campgrounds/RV Facilities Ca...urnaments Recreational businesses (Bowling alleys, Laser tag, Ropes courses) Venue...

Liquor Liability Coverage from Bailey Special Risks Bailey Special Risks, Inc. offers a Liquor Liability program built for agents and brokers who need flexible, practical placement options for hospitality and alcohol-related accounts. Written on a non-admitted basis through United States Liability Insurance Group, the program combines experienced underwriting with competitive limits and fast turnaround to help you place bars, restaurants, package stores and distributors that need third-party liability protection tied to alcohol sales or service. Ideal Accounts and Appetite This program fits a wide range of liquor exposures, including: Bars and taverns Nightclubs (standard operations; after-hours establishments with special licenses are excluded) Restaurants that serve alcohol Liquor stores and retail package shops Wholesalers and beverage distributors Bailey Special Risks will review most liquor-related operations. Typical declines include locations that allow employees to consume alcohol while on duty or businesses that operate under special after-hours permits. If your client runs a neighborhood bar, a full-service restaurant with alcohol sales, or a retail package store, this program is likely a strong candidate for placement. Coverage Highlights and Advantages Limits available up to $1,000,000 each common cause / aggregate Coverage tailored for both retail and wholesale alcohol operations Access to an experienced market—United States Liability Insurance Group—on a non-admitted paper Responsive underwriting and efficient turnaround to help close submissions faster Examples of accounts that typically place well: a 120-seat neighborhood bar with a clean loss history and trained staff, or a regional liquor distributor with documented delivery controls and employee screening. In both cases, underwriting focuses on service practices, hours of operation, controls for over-service, and prior loss experience. Underwriting Notes Submissions are evaluated on a case-by-case basis. Underwriters consider operations, hours of service, loss history, management practices, and risk controls such as staff training, ID checks, security and incident reporting. There is no published minimum premium; pricing is driven by class, exposures, limits requested, and individual account characteristics. Prohibited exposures include on-duty employee consumption and after-hours operations under special licenses. Territories and Availability This Liquor Liability program is available in AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD, MA, MS, MO, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WV, and WY. If your client is located in one of these states, Bailey Special Risks can assist with placement and policy options. Why Work with Bailey Special Risks? As a wholesale broker with focused experience in specialty and high-exposure classes, Bailey Special Risks provides strong market access and practical underwriting for liquor-related accounts. Their partnership with United States Liability Insurance Group delivers capacity and stability on a non-admitted basis, while the firm’s agent-focused service model emphasizes quick response, clear guidelines, and hands-on support for complex submissions. Use this program when you need an experienced partner to place liquor liability risks that fall outside standard admitted markets. Frequently Asked Questions What types of accounts are a good fit for this Liquor Liability program?This program is ideal for bars, taverns, restaurants that serve alcohol, liquor stores, and both retail and wholesale alcohol distributors. Are there any types of risks that won't be considered?Yes. Risks that allow employees to drink on the job or operate as after-hours establishments with special licenses are not eligible. Is the coverage admitted or non-admitted?This Liquor Liability program is written on a non-admitted basis through United States Liability Insurance Group. What are the coverage limits available?Limits are available up to $1 million each common cause/aggregate. In which states is the program available?The program is available in AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD, MA, MS, MO, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WV, and WY. Need help placing an account? Connect with a market specialist.

Liquor Liability Insurance Program from Insential At Insential, Inc., we understand the unique risks hospitality and entertainment businesses face when it comes to serving alcohol. Our Liquor Liability Insurance Program is designed to help brokers and agents place complex, high-exposure accounts with confidence. With years of experience in the liquor liability space and long-standing relationships with underwriters, we provide flexible solutions tailored to a broad range of establishments. Ideal Accounts and Target Classes Our program is available to a wide variety of hospitality and entertainment classes, including both established operations and new ventures. Whether your client runs a bustling bar or a boutique microbrewery, we can help you find the right coverage for their needs. Eligible Classes Include (but are not limited to): • Bars, Taverns, and Pubs — including College Bars and Sports Bars • Beer Gardens • Nightclubs and Dancehalls • Adult Entertainment Venues • Casinos and Gaming Establishments • Comedy Clubs • Restaurants, Delis, Cafés, Pizzerias, and Counter Service Stores • Family Entertainment Centers • Amusement and Arcade Facilities • Microbreweries and Distilleries • Private Clubs • Wine Tasting Rooms and Whiskey Bars • Hotels and Motels • Special Events and Temporary Venues • Caterers and Catering Halls You might have a client launching a new upscale cocktail lounge or hosting a seasonal wine festival—both may qualify under our program subject to underwriting review. Coverage Highlights and Advantages We offer a robust menu of coverages to help protect your clients against alcohol-related exposures and more. Our stand-alone or package options can be customized based on the nature of the business and level of risk. Product Highlights: • Policy Limits include Defense Costs • Fast Quote Turnaround • New Ventures Accepted (with appropriate experience) • Stand-Alone Liquor Liability may be available in select cases Available Coverages: • Liquor Liability Insurance • General Liability • Property Coverage • Umbrella / Excess Liability • Crime Insurance • Employment Practices Liability (EPLI) • Assault & Battery Coverage Underwriting Requirements and Minimum Premiums To participate in our Liquor Liability Program, the following underwriting materials are typically required: • Fully Completed ACORD Applications • 5 Years of Currently Valued Loss Runs • Liquor Supplemental (required upon binding) • Experienced Operators Preferred; New Ventures Considered • Minimum Premiums Start at $2,500 Please note that specific eligibility and pricing will vary depending on the risk profile and location. Restrictions may apply, and coverage is not available in all states. Program Availability This program is available on a non-admitted basis in a wide range of states. We currently provide access in the following territories: Available States: AL, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IN, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, PA, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Some admitted options may be available depending on the state and class of business. Why Partner With Insential? Insential is a trusted Excess & Surplus Lines Broker with deep expertise in the liquor liability space. We offer access to multiple carriers, flexible underwriting, and responsive service to help agents and brokers secure competitive terms for their clients. Our team is committed to delivering fast quotes and helping you navigate even the most challenging accounts with confidence. *Please note that restrictions may apply and coverage may not be available in all states. Frequently Asked Questions What types of accounts are a good fit for this program?We specialize in hospitality and entertainment accounts such as bars, nightclubs, restaurants, casinos, and special events with liquor exposure. New ventures with experienced operators may also qualify. Can I submit a new business venture for coverage?Yes, new ventures are acceptable if the operator has relevant industry experience and meets our underwriting criteria. Is stand-alone liquor liability coverage available?In some cases, we can offer stand-alone liquor liability policies depending on the risk profile and state availability. How quickly can I expect a quote?We pride ourselves on fast turnaround times. Complete submissions typically receive quotes quickly, especially with all required documentation. What is the minimum premium for this program?The minimum premium starts at $2,500, but final pricing will depend on the class of business, location, and risk details. Need help placing an account? Connect with a market specialist.

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