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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

...fing within the past 15 years Restaurants with Class K fire extinguishers in...program?Fast food or quick-service restaurants with at least 3 years of owners...

... for this program. Quick service, casual dining chains, or fast food concepts are not...this program?Upscale, full-service restaurants with table service, liquor sale...

...g operations—from fine dining and casual family restaurants to national quick-...staurants such as fast food, buffet, casual and family dining, fine dining, and franchise chains are all idea...

...cession stands and coffeehouses Casual dining and caterers Diners, fast casual, and family-style restaurants Fine dining and full-service restaurants Limite...ses—from fast food and cafés to fine dining and banquet halls. Accounts with o...

... fit well include: Fine dining and private clubs Family-style restaurants Quick service / fast food loca...r this program?The program targets restaurants, bars, taverns, private clubs, ...

...nd fine dining restaurants Fast-casual and quick-service chains Catering c...ability solutions specifically for restaurants, supported by underwriters expe...

Insurance Programs of America (IPOA) is the leader in hotel programs for our agency partners in the hospitality industry, insuring large hotels, resorts and spas, and golf course resort properties throughout the country. Our expertise in the hotel insurance space is unmatched. Exclusive Hotel Insurance Program — HotelPro With HotelPro, IPOA offers agents an exclusive, hospitality-focused program specifically designed for limited- and full-service hotels. HotelPro pairs specialized underwriting with broad capacity and multiple carrier relationships — including Tower Group Companies and Lloyd’s of London — to deliver property, liability, and umbrella placements for single sites and portfolios. Overview of the Program from Insurance Programs of America HotelPro is written through admitted and surplus markets to provide flexible placement options for hotel risks. IPOA underwrites hotels with a focus on modern construction and active loss-control measures, delivering capacity, tailored coverage extensions, and both auditable and non-auditable liability options. For agents, this program is an efficient market for clients that need higher limits, hotel-specific extensions, and underwriting that understands hospitality operations. Ideal Accounts and Appetite Limited-service and full-service hotels, including select-service brands and independent properties Resorts, spas, and golf-course resort properties Interior and exterior-corridor hotels All construction types considered; hotels built after 1987 are preferred unless completely gut-renovated Accounts with demonstrated property protection (sprinklers, fire alarm systems) and established safety programs Coverage Highlights and Advantages Property, General Liability, and Umbrella coverages tailored for hotel exposures Exclusive hotel insurance extensions that address hospitality-specific exposures Capacity up to $50 million Both admitted and excess & surplus (E&S) placement options — admitted availability in some states Liability available as auditable or non-auditable to fit different account structures Underwriting Notes and Minimum Premiums Underwriting emphasizes newer or renovated properties, robust loss-control practices, and manageable coastal exposure. Limited capacity applies in higher-tier coastal counties. Typical minimum premiums are as follows: Packages — $15,000 (Interior hotels: frame construction <$5M TIV if sprinklered) Property — $10,000 Liability — $5,000 Coastal Property (Tier 1) — $25,000 These minimums are program guidelines; final terms are subject to underwriting review and carrier appetite. Territories and Availability HotelPro writes nationwide. IPOA operates as a Managing General Underwriter and Excess & Surplus lines broker with placements available in the following states: 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. Note: admitted availability is limited to some states and certain classes; where admitted capacity is not available, E&S markets may be used. Why Work with IPOA on Hotel Business Specialized hotel underwriting and program design focused on hospitality risks Access to multiple carriers and high capacity up to $50M Hospitality-specific policy language and extensions not commonly available in general markets Hands-on underwriting and E&S placement capability for challenging or higher-limit accounts Example accounts that fit HotelPro A 120-room full-service resort with on-site spa and golf course seeking combined property and liability placement with umbrella limits. An independent 80-room limited-service hotel recently renovated with a sprinklered frame and annual revenue within program guidelines that needs a streamlined package placement. Frequently Asked Questions What types of hotel accounts are the best fit for HotelPro?HotelPro is designed for limited- and full-service hotels, resorts, spas, and golf-course resort properties. Properties built after 1987 or those that have been gut-renovated are preferred, and accounts with active loss-control measures (sprinklers, alarms, documented safety programs) typically place more competitively. Is coverage admitted or non-admitted?IPOA places HotelPro on both admitted and excess & surplus (E&S) markets. Admitted coverage is available in some states; where admitted markets aren’t available or the risk needs specialty terms, E&S capacity is used. What minimum premium should agents expect?Minimums vary by line and exposure. Program guideline minimums include: Packages $15,000, Property $10,000, Liability $5,000, and Coastal Property (Tier 1) $25,000. Final minimums and pricing depend on underwriting review and specific exposures. Which states are eligible for placement?HotelPro writes nationwide with availability in the states listed in the program materials. Some admitted options are state-dependent; IPOA also provides E&S solutions where needed. Check the current state list and market access before submission. Need help placing an account? Connect with a market specialist.

...t shops Restaurant NOC and fast casual restaurants Fast food restaurants and pizza delivery restaurants (minimum 2 years in business for d... program structures for qualifying restaurants — indicate interest in these op...

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.