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...d to the unique risks of the fine dining industry. Through our RestaurantPro p...ram?The minimum premium for our Fine Dining Restaurant Insurance Program is $1...

We are proud to help business owners control losses and reduce risk. One of the ways we do this is with our Bars, Taverns & Pubs Insurance program. This program is designed to protect all of the risks that can take place. Below is additional information about our Bars, Taverns & Pubs Insurance. Available Coverages: General Liability Liquor Liability Assault & Battery Crime Inland Marine Property Business Interruption Equipment Breakdown Program Highlights: Turnaround time on quotes - same-day when needed No limitations on account or revenue size Eligibility for accounts with up to 100% liquor receipts Available Exposures: Live Entertainment DJ Bands Karaoke Dancing And other Entertainment For more information about our Bars, Taverns & Pubs Insurance or any other product we offer please give Michael Maher a call at 206-957-6576

...ndependent family restaurants and casual full-service dining establishments ...program?Independent family-style and casual full-service restaurants with typi...

Insurance Programs of America offers a nationwide Senior Living Insurance Program built for facilities that serve residents aged 55 and older. Marketed as SeniorLivingPro, the program delivers tailored property, liability and income solutions for independent senior housing, subsidized senior housing and age-restricted communities. Coverage is available in most states, with some county-level restrictions in designated Tier 1 and Tier 2 areas. Ideal Accounts and Appetite Age-restricted communities for residents 55 and older Both for-profit and non-profit senior living facilities Properties with or without emergency call systems Facilities offering subsidized rents, including Section 8, 202, 236, and LIHTC housing Multi-story buildings, including those not fully sprinklered This program is best suited for independent senior living communities, affordable senior housing and similar properties where on-site medical care is not the primary service. Accounts with active property management, routine resident screening, and basic life-safety systems are preferred. Risks requiring on-site skilled nursing or assisted living services should be reviewed with underwriting prior to submission. Coverage Highlights and Advantages SeniorLivingPro is placed with top-rated markets, including Lloyd’s of London and other carriers rated "A+ VX" by A.M. Best. Coverage is written on ISO forms and enhanced with limits and options targeted to senior housing exposures: Broad property coverage extensions with available increased limits Boiler and machinery (equipment breakdown) options Limited flood and earthquake coverage available where applicable Business income coverage that can address loss of Low Income Housing Tax Credits (LIHTC) Underwriting Notes and Submission Requirements To accelerate underwriting and obtain competitive terms, provide complete submissions that include: Completed ACORD applications Three years of loss history / loss runs IPOA SeniorLivingPro supplemental application Minimum premium typically starts at $10,000. Submit packages to [email protected] for initial review; include building age, construction type, occupancy mix, protection/sprinkler details and management practices to improve turn times. Territories and Availability SeniorLivingPro is available in most U.S. states. Current territories include: 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. Some county- and tier-level restrictions apply in Tier 1 and Tier 2 areas; availability and admitted/non-admitted status vary by state. The program is written on both admitted and non-admitted paper depending on the jurisdiction. Why Work With Insurance Programs of America? As a Managing General Underwriter and Excess & Surplus Lines Broker, Insurance Programs of America (IPOA) specializes in niche real estate and community-based risks. IPOA provides agents with access to multiple high-quality markets, focused underwriting for senior housing exposures, and program wording tailored to the operational realities of age-restricted communities. IPOA’s underwriting approach balances risk characteristics—construction, fire protection, management controls and subsidy programs—so agents can place a broad range of senior living accounts that may not fit standard admitted market appetite. Example scenarios where SeniorLivingPro fits well: You represent a three-story LIHTC senior housing property that is partially sprinklered and has no on-site medical services — SeniorLivingPro can provide property and business income limits designed for that risk profile. An independent senior living complex with mixed for-profit and non-profit units, routine tenant screening and emergency response systems — the program can offer tailored liability and equipment breakdown options. Frequently Asked Questions What types of accounts are a good fit for this program?Facilities serving residents aged 55 and older, including independent senior living, subsidized senior housing and age-restricted communities without on-site healthcare services. Are non-sprinklered or partially sprinklered buildings eligible?Yes. Multi-story buildings that are not fully sprinklered can qualify; underwriting will evaluate construction, fire protection and loss history to determine terms. Is the program available in all states?The program is available in most states listed above, but certain Tier 1 and Tier 2 counties may be restricted. Availability and admitted status depend on the state and carrier. What is the minimum premium for this program?Minimum premium typically starts at $10,000, though final pricing depends on risk characteristics, limits and location. What information is required for a submission?Provide completed ACORD applications, three years of loss runs and the IPOA SeniorLivingPro supplemental application. Include property details, occupancy mix and any subsidy program documentation to speed underwriting. Need help placing an account? Connect with a market specialist.

Comprehensive Data Breach & EPLI Coverage for Hotel Risks Insurance Programs of America (IPOA) offers a specialized solution for hospitality risks through its exclusive Data Breach & Employment Practices Liability Insurance (EPLI) program. Designed specifically for hotels, this program provides a powerful combination of EPLI with wage and hour lawsuit protection, alongside critical Data Breach coverage to address evolving cybersecurity exposures. Ideal Accounts and Appetite This program is best suited for hospitality operations such as: Franchised and independent hotels and motels Resort properties with 24/7 staff and guest data exposure Hospitality groups with multiple locations seeking streamlined coverage If you have hotel clients concerned about employee-related claims or the fallout from a data breach, this program offers tailored protection under one roof. Coverage Highlights and Advantages Through IPOA’s exclusive arrangement, your clients receive robust protections, including: Employment Practices Liability Insurance (EPLI) with wage and hour lawsuit coverage Data Breach coverage with separate limits for third-party claims Breach response support including legal counsel, forensic investigation, and notification costs Credit monitoring services through bureau partners Privacy, network security, and media liability under a separate limit Crisis management sublimit for public relations support $100,000 PCI sublimit included These features are designed to help insureds recover quickly and responsibly from cyber incidents while staying protected from internal employment-related exposures. Underwriting Notes and Minimum Premiums The program is written on a non-admitted basis through multiple trusted carriers. IPOA provides a streamlined underwriting process, including a fast-track premium indication form to get quick quotes for EPLI with optional Data Breach coverage. The minimum premium for this program starts at $10,000. Agents can access the premium indication form directly by clicking HERE. Territories and Availability This program is available in all 50 states and Washington, DC. Whether your client is a single-location property in Florida or a hotel group spanning multiple states, IPOA has the underwriting reach and flexibility to handle national hospitality risks. Why Work With Insurance Programs of America As a Managing General Underwriter and Excess & Surplus Lines Broker, IPOA specializes in delivering niche programs with deep industry insight. With dedicated underwriting and responsive service, IPOA is a strong partner for agents and brokers seeking tailored solutions for hotel clients facing both employment and cyber liability risks. Their fast-track process and exclusive market access make it easy to quote and bind competitive coverage packages. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for hotels, motels, resorts, and hospitality groups concerned about employee-related claims and data breach exposures. Is this program available in all states?Yes, the program is available in all 50 states and Washington, DC. What is the minimum premium for this coverage?The minimum premium starts at $10,000, depending on the size and risk profile of the account. Does the Data Breach coverage include credit monitoring services?Yes, credit monitoring and breach notification services are included as part of the Data Breach coverage package. How can I get a premium indication?You can complete IPOA’s fast-track premium indication form to receive an immediate quote for EPLI and optional Data Breach coverage. Need help placing an account? Connect with a market specialist.

ProHost Catering Insurance is a specialized program designed to meet the unique insurance needs of off-premises caterers. Backed by ProHost USA, Inc.—a trusted program administrator with deep expertise in hospitality and foodservice risks—this program offers comprehensive coverage and fast underwriting turnaround for a wide range of catering operations. Ideal Accounts and Appetite This program is tailored for: Off-premises caterers operating full-time Restaurants with a catering component Corporate event caterers Private party caterers While minimal wedding catering may be considered, the program is best suited for commercial or private event-focused catering businesses. If you have a client with a growing off-site catering arm or a standalone catering business, this program could be a strong fit. Coverage Highlights and Advantages The Catering Insurance Program is structured as a package policy and offers a robust mix of coverages designed to protect your clients from the unique exposures they face in the field. Highlights include: Package policy tailored for catering operations Admitted coverage in most states Workers’ Compensation, EPLI, and Excess/Umbrella available in most states Commercial Auto considered when written with the package Quick quoting process with responsive underwriters Whether your client is transporting food, managing temporary staff, or operating at multiple venues, this program provides flexible protection built for their operations. Underwriting Notes and Minimum Premiums With a minimum premium starting at $5,000, this program is competitively priced for established or growing catering operations. ProHost’s experienced underwriting team evaluates each account carefully to ensure a good fit and to provide fast, accurate quotes. Accounts with a clean loss history, professional operations, and a focus on non-wedding events are particularly desirable. Risks involving high liquor exposure or heavy wedding specialization may be outside appetite. Territories and Availability The ProHost Catering Insurance Program is available in most states, including but not limited to: CA, FL, IL, NY, TX, and WA. Coverage is written on an admitted basis in most of these territories through a variety of admitted carriers. Why Work With ProHost USA, Inc.? ProHost USA, Inc. is a leading program administrator with decades of experience in the hospitality space. Their focused expertise, fast quote turnaround, and commitment to service make them a reliable partner for agents and brokers placing catering risks. From restaurants expanding into catering to full-fledged catering businesses, ProHost offers the flexibility and insight needed to support your clients’ evolving operations. Contact ProHost today for all your Catering Insurance risks! Frequently Asked Questions What types of accounts are a good fit for this program?The program is ideal for full-time off-premises caterers and restaurants with a catering component, especially those focused on corporate and private events. Is wedding catering eligible under this program?Minimal wedding catering exposure is acceptable, but the program prefers accounts that focus on corporate or private events. Can commercial auto coverage be included?Yes, commercial auto can be considered when written in conjunction with the package policy. What is the minimum premium for this program?The minimum premium starts at $5,000, making it suitable for established or growing catering operations. In which states is this program available?The Catering Insurance Program is available in most states, including CA, FL, IL, NY, TX, and WA, among others. Need help placing an account? Connect with a market specialist.

... If you represent casual drinking establishments with document...

... concepts, quick-service and fast-casual operations, bars and banquet faciliti...