Search CompleteMarkets

... insurance needs of off-premises caterers. Backed by ProHost USA, Inc.—a trust...is ideal for full-time off-premises caterers and restaurants with a catering c...

...ments Banquet Facilities and Caterers BYOB Restaurants Incidental... restaurants, cafes, bars, taverns, caterers, pizza parlors, take-out location...

...s and nightclubs Restaurants Caterers Gentlemen’s clubs We can handle o...h as bars, nightclubs, restaurants, caterers, and gentlemen’s clubs, especiall...

... exposures faced by restaurants, caterers, and other food service providers. W...

Exclusive standard lines market for Restaurant Insurance with up to 30% alcohol sales—suitable for operations with or without table service! Restaurant Insurance Program from Southern Insurance Underwriters, Inc. Southern Insurance Underwriters, Inc. (SIU) offers a flexible and competitive Restaurant Insurance program designed specifically for independent agents and brokers placing business in Alabama, Georgia, and South Carolina. Whether your client operates a casual dining spot, a fast-food franchise, or a new venture with catering exposure, SIU provides access to both standard and non-standard markets to help you secure the right coverage. Ideal Accounts and Appetite This program targets a wide range of restaurant operations, including those with up to 30% alcohol sales and optional table service. Ideal risks include: Quick service and fast-casual restaurants Full-service restaurants with moderate alcohol exposure Catering businesses with dine-in or off-premises services New ventures led by owners with at least 3 years of industry experience Accounts with more than 30% alcohol sales or nightclubs may not be eligible. Coverage Highlights and Advantages SIU’s Restaurant Insurance program is backed by "A" Rated carriers and offers comprehensive protection through Commercial Package Policies. Available coverages include: General Liability with limits from $300,000/$600,000 to $1MM/$2MM Liquor Liability coverage available for qualifying risks Property coverage with enhancement endorsements that offer over 20 additional protections Crime, Inland Marine, and Automobile coverage options Workers’ Compensation markets available Whether you’re writing a startup café or a well-established bistro, this program provides scalable coverage options to meet your client’s needs. Underwriting Notes and Minimum Premiums SIU welcomes new ventures as long as the ownership has a minimum of three years of relevant restaurant experience. Minimum premiums vary by risk type and coverage selected. Submissions should be complete and include applicable supplemental applications, especially when liquor liability is requested. Territories and Availability This admitted program is currently available in Alabama, Georgia, and South Carolina. SIU works with both admitted and non-admitted markets, giving you added flexibility when placing accounts that may not fit traditional carrier appetites. Why Work with Southern Insurance Underwriters, Inc.? As a trusted Managing General Agency with decades of underwriting experience, SIU brings deep expertise in hospitality insurance and niche restaurant risks. Agents benefit from responsive service, a broad market reach, and underwriting solutions tailored to the restaurant industry. If you're looking for a dependable partner to help you place restaurant business—from small takeout counters to upscale eateries—SIU is a strong choice. Frequently Asked Questions What types of accounts are a good fit for this program?Restaurants with up to 30% alcohol sales, including fast-casual, full-service, and catering operations, are ideal for this program. Is liquor liability coverage available?Yes, liquor liability is available for qualifying risks and can be included in the commercial package policy. Can new restaurant ventures qualify for coverage?Yes, new ventures are acceptable if the ownership has at least 3 years of relevant restaurant experience. In which states is this program available?This program is currently available in Alabama, Georgia, and South Carolina. Does the program include Workers’ Compensation coverage?Yes, Workers’ Compensation markets are available for eligible accounts as part of the overall package. Need help placing an account? Connect with a market specialist.

... to: Ø Family Restaurants Ø Caterers and Catering Trucks Ø Bars and Nei...

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.

The RISCO Restaurant, Bar & Tavern Insurance Program has been a trusted market since 1992, giving agents and brokers a flexible, comprehensive solution for hospitality risks. Underwritten through an A+ IX-rated carrier on a non-admitted basis, this program is built for establishments with unique exposures—whether your client runs a seasonal beach bar, a full-service restaurant with catering, or a tavern with predominantly liquor sales. Ideal Accounts and Appetite This program accommodates a broad range of hospitality accounts, including those that often fall outside standard admitted markets. RISCO can consider: Frame and non-sprinklered buildings Protection Class 9 and better Coastal, seasonal, and tourist-driven operations Entertainment venues and dance floors (subject to underwriting review) Restaurants and bars at any level of liquor sales — from BYOB and no-liquor restaurants to bars with high liquor revenue The program also handles accounts with ancillary operations, such as catering services, banquets, incidental leasing (LRO), and owned apartments or dwellings attached to the business. Coverage Highlights and Advantages RISCO packages core and hospitality-specific coverages to simplify placement and reduce the need for multiple policies. Available coverages include: Property coverage with Equipment Breakdown Crime coverage and Property Enhancement Endorsements Commercial General Liability (CGL) with Full Assault & Battery for restaurants (sublimits apply for bars) Integrated Liquor Liability within the package Hired & Non-Owned Auto Liability Employee Benefits Liability Umbrella Liability, including options to address liquor exposures These options are available under a single package policy to streamline administration. The program's published minimum premium starts around $1,500 for the full package; specific pricing will depend on exposures and territory. Underwriting Flexibility RISCO’s underwriting team brings hospitality-focused experience and creative placement options. They are equipped to consider: New ventures and start-ups Locations with challenging protection classes or coastal exposure Seasonal operations and risks with fluctuating revenue patterns Accounts with multiple or mixed exposures that other markets may decline Example fits: a new gastropub opening near the shore with live music and catering; or a tavern in a small town with primary revenue from alcohol sales and an attached owner apartment. Territories and Availability This program is offered in Connecticut (CT), Maine (ME), Massachusetts (MA), New Hampshire (NH), New York (NY), Rhode Island (RI), and Vermont (VT). Note that wind coverage is limited for risks located in New York’s five boroughs and Long Island. Why Work With RISCO Insurance Brokerage Inc. As a Managing General Agency and E&S lines broker, RISCO brings more than three decades of hospitality underwriting expertise. Their team offers hands-on service, flexible appetite parameters, and access to multiple markets for hard-to-place restaurant, bar, and tavern risks. If you need placement support on complex or coastal hospitality accounts, RISCO can provide responsive underwriting and tailored solutions. To learn more about the Restaurant, Bar & Tavern Insurance Program, visit www.risco-inc.com or call 800-533-3649. Acord applications can be emailed to [email protected] Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for restaurants, bars, and taverns—including those with high liquor sales, seasonal operations, or entertainment features like dance floors. New ventures and coastal locations are also considered. Can this program accommodate risks with multiple exposures?Yes. RISCO can include coverage for catering, banquets, owned apartments or dwellings, and incidental LRO exposures within the package. Is liquor liability included in the policy?Yes. Liquor liability is included as part of the package policy. Umbrella coverage can also be extended to include liquor exposures where appropriate. What is the minimum premium for this program?The program's minimum premium starts around $1,500 for the full package, which typically includes property, CGL, equipment breakdown, and liquor liability; exact pricing varies by account. Which states is this program available in?This program is offered in CT, ME, MA, NH, NY, RI, and VT. Some restrictions apply in New York’s five boroughs and Long Island. Need help placing an account? Connect with a market specialist.

Cochrane & Company’s Commercial Auto Insurance program is designed for businesses that operate not-for-hire vehicles within a 300-mile radius. As a trusted Managing General Agency and Excess & Surplus Lines Broker, Cochrane & Company offers flexible underwriting, broad coverage options, and competitive solutions for a wide range of commercial auto exposures. Ideal Accounts and Appetite This program is ideal for businesses that own and operate their own vehicles as part of their operations but do not engage in for-hire transport. Eligible risks include: Catering services Farms and dairies Household goods movers Wholesale and retail delivery Food delivery (non-pizza) Courier and mobile businesses Magazine and newspaper distributors Armored car operations Manufacturing and funeral services Vacuum trucks and street sweepers Contractors, cranes, and boom trucks Ready-mix operations (cement mixers, concrete pumpers) Ineligible exposures include any for-hire or revenue-generating transport units, hazardous or petroleum-based materials (except incidental), pizza delivery, student drivers, triple trailers, and risks that allow non-employee passengers or involve mobile home, log, or biohazardous waste hauling. Coverage Highlights and Advantages Cochrane & Company provides comprehensive coverage options tailored to the diverse needs of commercial auto clients. Available features include: Automobile liability limits up to $5 million Uninsured/Underinsured motorists, medical payments, and personal injury protection Physical damage coverage Motor truck cargo coverage Multi-line discounts where applicable Flexible reporting capabilities allow agents to select from multiple reporting bases, including mileage, gross receipts, per vehicle, and total insured value, with real-time updates. Coverage lines include commercial auto liability, physical damage, hired auto, trailer interchange, and inland marine motor truck cargo. Underwriting Notes and Minimum Premiums To submit a risk, agents should be prepared to provide: Loss information for the current and previous three years Complete VINs for all power units A full driver list Motor Vehicle Reports (MVRs) for all drivers Minimum premiums vary depending on the nature and size of the account. All drivers must have acceptable MVRs to qualify. Territories and Availability This program is available in the following states: AK, AZ, CA, CO, ID, MT, NV, NM, ND, OR, SD, UT, WA, and WY. Most markets are non-admitted, providing greater flexibility for unique or hard-to-place risks. Why Work With Cochrane & Company? With decades of experience as an MGA and E&S broker, Cochrane & Company delivers industry-specific expertise and responsive service. Agents benefit from access to multiple carriers, robust underwriting knowledge, and a commitment to helping you place accounts that may not fit standard markets. Whether your client is a local milk distributor or a contractor needing coverage for a boom truck, Cochrane & Company can help you find the right solution quickly and efficiently. Frequently Asked Questions What types of accounts are a good fit for this Commercial Auto program?Businesses that operate their own vehicles within a 300-mile radius, such as farms, contractors, food delivery (excluding pizza), and mobile service providers, are ideal candidates. Are for-hire or revenue-generating vehicles eligible?No, this program is designed for not-for-hire business vehicles. For-hire transport units should be referred to Cochrane & Company’s trucking operations program. What information is required to submit a risk?Agents must provide loss runs for the current and prior three years, full VINs, a complete driver list, and acceptable MVRs for all drivers. Is coverage available for businesses hauling hazardous or petroleum-based materials?No, these are ineligible under this program. However, incidental hazardous materials (e.g., cleaners, batteries) are acceptable, and petroleum risks may qualify for Cochrane’s petroleum marketer program. What states is the program available in?This Commercial Auto Insurance program is offered in AK, AZ, CA, CO, ID, MT, NV, NM, ND, OR, SD, UT, WA, and WY. Need help placing an account? Connect with a market specialist.

M.J. Hall & Company now offers Hotel, Hospitality, Habitational, Restaurant, Retail, Office and Service Insurance! Hotel · Hospitality · Habitational · Restaurant · Retail · Office · Service Overview of the Program From M.J. Hall & Company M.J. Hall & Company offers a comprehensive insurance solution tailored for a wide range of commercial property types, including hotels, restaurants, retail stores, office buildings, and habitational risks. As an established Excess & Surplus Lines Broker, we partner with various carriers to provide competitive coverage options for hard-to-place or unique risks, especially in the hospitality and service sectors. Ideal Accounts and Appetite This program is designed for insureds operating in: Hotels and motels, including boutique and independent operations Restaurants, bars, and cafes Retail businesses and service providers Apartment buildings and residential rental properties Office buildings and mixed-use properties You might have a client who owns a multi-unit apartment complex with retail tenants, or a restaurant that also serves alcohol—this program can help cover those exposures. Coverage Highlights and Advantages Our Hotel, Hospitality, Habitational, Restaurant, Retail, Office and Service Insurance Coverage Includes: General Liability Primary Limits up to $2,000,000 Products Aggregate $2,000,000 Liquor Liability available Property Basic, Broad & Special Forms Building Coverage Business Personal Property 80% Coinsurance ACV & RC Additional Available Coverages: Business Income Rental Income Non-owned/hired auto Medical payments coverage Personal and Advertising Injury Crime Workers Compensation Underwriting Notes and Minimum Premiums This program is available for qualified risks only. Our underwriting team reviews each submission carefully to ensure fit with available carrier guidelines. Appetite may vary depending on occupancy, loss history, and property characteristics. Territories and Availability Coverage is available in the following states: Alaska, Arizona, California, Hawaii, and Nevada. Some coverages may be offered on an admitted basis depending on the state and risk profile. Why Work With M.J. Hall & Company With decades of experience in the E&S marketplace, M.J. Hall & Company gives you access to a variety of carriers and flexible options for hospitality, retail, and service-oriented businesses. Our team understands the complexities of these industries and works closely with retail agents to deliver solutions that help protect your clients' property and liability exposures. Our agents would be happy to discuss our Hotel, Hospitality, Habitational, Restaurant, Retail, Office and Service Insurance with you – contact M.J. Hall today! Qualified Risks Only Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for hotels, restaurants, apartment buildings, retail stores, and service-based businesses, especially those with unique exposures or hard-to-place risk profiles. Is liquor liability available under this program?Yes, liquor liability is available for qualified risks, such as restaurants or bars that serve alcohol. Which states is this program available in?Coverage is currently offered in Alaska, Arizona, California, Hawaii, and Nevada. Are admitted markets available?Some coverages may be offered on an admitted basis depending on the state and underwriting guidelines. What is needed to submit a risk for underwriting review?Provide a completed application, loss runs, property details, and any supplemental forms required for specific coverages like liquor liability or workers comp. Need help placing an account? Connect with a market specialist.