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... 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...

...dors and catering trucks Event caterers for weddings, parties, and corporate...

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.

...ool Halls Bowling Alleys Caterers Clubs - Country or Golf Club...ghtclubs, wineries, package stores, caterers and event operators in OH, KY and...

The Family Restaurant Insurance program from ProHost USA, Inc. is designed specifically for independent family-style restaurants and small full-service dining operations. As a program administrator, ProHost USA gives agents access to admitted carriers and underwriting tailored to restaurants that need a straightforward package with liquor liability options and enhanced property and general liability features. Overview of the Program From ProHost USA, Inc. This program provides a restaurant package policy that can include liquor liability and several optional coverages commonly requested by restaurant owners. ProHost USA works with various admitted carriers to deliver admitted paper in most states, streamlined underwriting for quick responses, and flexibility for new ventures when the owners or managers bring prior restaurant experience. Ideal Accounts and Appetite Independent family restaurants and casual full-service dining establishments Accounts with up to 40% liquor receipts (eligible for liquor coverage) Single-location operations and small multi-location groups with standard risk controls New ventures where the principals have prior restaurant ownership or management experience Not a fit: high-risk nightclubs, adult entertainment venues, large banquet halls with frequent large events, or accounts with persistent heavy alcohol exposure beyond typical family restaurant levels. Coverage Highlights and Advantages Package policy tailored for restaurants, including property, general liability, and optional liquor liability GL broadening endorsement and enhanced property coverages available Workers’ Compensation, Employment Practices Liability (EPLI), and excess/umbrella available in most states Cyber liability can be quoted separately to address point-of-sale and customer data exposures Experienced underwriting team for restaurant accounts and fast quote turnaround to help you place business quickly Access to multiple admitted carriers through ProHost USA Underwriting Notes and Minimum Premiums Underwriting focuses on the restaurant’s operations, alcohol exposure (liquor receipts), loss history, risk controls (food safety, fire protection, employee training), and management experience. The program’s stated minimum premium is $5,000. New ventures are considered when owners or managers demonstrate prior industry experience. Territories and Availability The Family Restaurant Insurance program is available in most states. Current availability includes: AL, 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. Why Work With ProHost USA on This Business Specialized restaurant underwriting makes it faster to get an accurate quote and likely coverages suited to the risk Admitted carrier access in most states for admitted paper where required Flexible program that accepts new ventures with experienced operators and standard-risk family restaurants Responsive service and practical endorsements (GL broadening, enhanced property) that agents commonly request for restaurant accounts Example Scenarios You might have a two-location family restaurant with steady dine-in business and limited liquor service (liquor receipts under 30%). This program can provide a package policy with liquor liability, property coverage for equipment, and the option to add an umbrella. Or you may place a new owner/operator opening a single-location family diner; if the owner has several years’ experience managing restaurants, the account can be considered under this program. Frequently Asked Questions What types of restaurant accounts are a good fit for this program?Independent family-style and casual full-service restaurants with typical food service exposures and up to 40% liquor receipts. Single locations and small multi-unit groups with standard risk controls are ideal. Can I get liquor liability through this program?Yes. The program includes liquor coverage for eligible accounts; underwriting will consider liquor receipts and service practices when pricing and determining eligibility. What is the minimum premium and what other coverages are available?The program’s minimum premium is $5,000. Workers’ Compensation, EPLI, excess/umbrella, enhanced property options, and separate cyber liability quotations are available in many states. Need help placing an account? Connect with a market specialist.

...and cafes with liquor licenses Caterers and banquet halls Event venues and...taurants, nightclubs, event venues, caterers, and any business that serves or ...

Overview of the Program from ProHost USA, Inc. ProHost USA’s Restaurant EPL Insurance program is a focused Employment Practices Liability (EPL) market designed for restaurants, bars and foodservice operators. As a program administrator, ProHost USA offers agents access to tailored EPL solutions backed by multiple admitted and non-admitted carriers (various carriers) and an underwriting appetite focused on hospitality exposures. The program covers claims made by customers or employees alleging discrimination, harassment and other employment-related wrongs. Ideal Accounts and Appetite This program works well for single-location restaurants, multi-unit local or regional concepts, quick-service and fast-casual operations, bars and banquet facilities. Typical accounts include independents and small chains where management and employee training is variable and exposure is concentrated at the location level. Good fit: independent restaurants, neighborhood bars, small multi-unit operators, food trucks with employees, seasonal restaurants. Less suitable: large national chains or accounts requiring large corporate EPL programs — these will require a broader market placement. Prior losses, high employee turnover, or known wage-and-hour litigation will require underwriting review. Coverage Highlights and Advantages Covers suits by customers for discrimination or harassment perpetrated by employees or supervisors. Covers allegations by employees including harassment, discrimination, failure to hire, wrongful termination and denial of service. The program’s definition of “employee” includes seasonal, temporary and independent contractors. Free Human Resources services included for restaurant policyholders to help prevent and defend claims — see details below. Wage and hour defense coverage is available as an optional enhancement where permitted. Included HR Services Employment Law Helpline for fast guidance on employment and disciplinary issues. Comprehensive criminal background checks for newly hired or promoted restaurant supervisors and managers. Internet-based training courses for managers and supervisors focused on harassment prevention and employment best practices. Underwriting Notes and Minimum Premiums Underwriters consider employee counts, turnover, management training, prior EPL or wage-and-hour claims, and risk controls (such as documented harassment policies and training). The program generally requires a minimum premium of $750. Accounts with significant prior litigation or complex multi-state wage-and-hour exposure will require additional underwriting review and may be referred to other markets. Territories and Availability This program is available in most states. Current territories include: AZ, AR, CA, CO, CT, DE, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI and WY. Admitted status: Most available states. Carriers: Various admitted and non-admitted markets depending on state and account characteristics. Why Work with ProHost USA on Restaurant EPL Market access through a program administrator experienced in hospitality exposures. Value-add HR services that help reduce frequency and improve defense leverage when claims arise. Flexible placement options with wage-and-hour defense available where needed. Underwriters who understand the operational realities of restaurants — seasonal staffing, temp workers, and contractor usage are explicitly considered in the program’s definitions and pricing. Example Scenarios - You have a 2-location bistro that needs EPL coverage and manager training. This program pairs an EPL policy with included supervisor training and background checks to reduce exposure. - You represent a regional bar group concerned about customer harassment claims and potential wage-and-hour disputes. The program can provide EPL with optional wage-and-hour defense and HR resources to assist before and after a reported incident. For submission, include applicant payroll and employee counts, details of any prior EPL or wage-and-hour claims, and information about existing HR policies and training programs to help expedite review. Frequently Asked Questions What types of restaurant accounts are a good fit for ProHost USA’s Restaurant EPL Insurance?Independent restaurants, neighborhood bars, quick-service and small multi-unit operators are prime targets. The program is geared to accounts where exposures are location-level and where included HR services add clear risk-management value. What HR services are included and how do they help reduce exposure?Policyholders receive an Employment Law Helpline, comprehensive criminal background checks for supervisors and managers, and internet-based manager/supervisor training. These services help prevent incidents, support consistent hiring practices, and strengthen defense if a claim arises. Is wage-and-hour coverage part of the program?Wage-and-hour defense coverage is available as an optional enhancement in many states. It is not automatic; availability and terms depend on state rules and the carrier selected for the account. What information should I send on a new submission?Provide payroll by location, employee counts, a loss run for EPL and wage-and-hour claims, a description of management structure and training, and copies of harassment and hiring policies. This accelerates underwriting and placement. Are prior EPL claims an automatic decline?No. Prior claims are evaluated case-by-case. Small or well-documented incidents with corrective action are often acceptable; significant or repeated litigation will require more detailed underwriting and may limit available options. Need help placing an account? Connect with a market specialist.

Private Special Events Insurance Program from R.V. Nuccio & Associates, Inc. R.V. Nuccio & Associates, Inc. offers a specialized insurance solution for private special events through its Celebrationsurance® program. Designed for clients hosting significant life events, this package policy helps protect against financial losses due to unforeseen circumstances. Whether your insured is planning a wedding, anniversary celebration, milestone birthday, or religious ceremony, this program offers comprehensive protection tailored to the unique needs of special private events. Ideal Accounts and Appetite This program is ideal for agents working with individuals who are organizing private, non-commercial events with a substantial financial investment. Target events include: Weddings and Engagement Parties Anniversaries Bar/Bat Mitzvahs Baby Showers and Baptisms Birthday and Retirement Celebrations Other one-time, private special occasions Accounts that typically fit well include clients who are renting venues, hiring vendors, or incurring significant expenses for catering, photography, and entertainment. This program is not intended for recurring or commercial events such as festivals, concerts, or corporate gatherings. Coverage Highlights and Advantages Celebrationsurance® is a package policy that includes a wide range of coverages to address the most common exposures associated with private events. Available coverages include: Cancellation or Postponement – Reimburses non-refundable deposits if the event is canceled or delayed due to covered reasons. Additional Expense – Covers extra costs incurred to avoid cancellation or to minimize loss. Photographs and Video – Protects against loss or damage to professional photography and videography services. Gifts – Provides coverage for stolen or damaged gifts. Rented Property – Insures rented items such as tables, chairs, and decorations. Special Attire – Covers loss or damage to event-specific clothing, such as wedding dresses or tuxedos. Jewelry – Protects special event-related jewelry from loss or theft. Personal Liability – Provides liability protection for bodily injury or property damage to third parties. Medical Payments – Covers medical expenses for guests injured during the event. This coverage package provides peace of mind to your clients while giving you a turnkey solution for their event insurance needs. Underwriting Notes and Minimum Premiums R.V. Nuccio & Associates, Inc. offers streamlined underwriting for this program, with flexible options tailored to the event size and risk profile. While minimum premiums may vary depending on the event type and selected coverages, the program is competitively priced to meet the needs of most private event clients. Territories and Availability This program is available in all 50 states and Washington, D.C., offering broad geographic access for your clients. The coverage is written on an admitted basis through Firemans Fund Insurance Companies, providing added confidence in policy stability and regulatory compliance. Why Work With R.V. Nuccio & Associates, Inc.? As a Managing General Agency with niche expertise in event insurance, R.V. Nuccio & Associates, Inc. offers agents a user-friendly program backed by deep market knowledge. The firm has built its reputation on responsive service, quick turnaround, and a commitment to helping agents serve clients planning some of the most important days of their lives. Whether you're placing a single wedding or supporting a client with multiple family celebrations, R.V. Nuccio & Associates is a reliable partner for private event insurance. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include individuals hosting private, one-time events such as weddings, anniversaries, bar/bat mitzvahs, birthday parties, and baby showers with significant financial investments. Is this program available in all states?Yes, the Private Special Events program is available in all 50 states and Washington, D.C. What carrier underwrites this program?The coverage is underwritten by Firemans Fund Insurance Companies on an admitted basis. Can this policy cover event cancellation due to unforeseen circumstances?Yes, the policy includes coverage for cancellation or postponement due to covered events such as severe weather, illness, or vendor bankruptcy. Does the policy include liability coverage for the event?Yes, Personal Liability and Medical Payments are included to protect against third-party bodily injury or property damage during the event. Need help placing an account? Connect with a market specialist.

Take Out Restaurant Insurance Insurance Program Managers Group (IPMG) offers a specialized Take Out Restaurant Insurance program for foodservice operations with substantial take-out or delivery exposure. If a restaurant derives at least 35% of receipts from take-out or delivery, this program provides targeted liability and property coverages designed to address those off-premise risks. Ideal Accounts and Appetite This program is a strong fit for agents placing restaurants where off-premise sales are a significant portion of business. Typical accounts include: Family-style restaurants that prepare food on-site, have 35%+ of sales from take-out/delivery, and no more than 10% of total sales from alcohol. Quick-service or limited-seating operations (fewer than 20 seats or about 4 tables) with no alcohol sales and a heavy take-out/delivery mix. Eligible operations commonly placed through this program include: Asian restaurants Sub and sandwich shops Bagel and donut shops Coffee shops Food court restaurants in malls Coverage Highlights and Advantages IPMG’s Take Out Restaurant Insurance focuses on the exposures created by high off-premise sales. Key coverages available include: General liability tailored for foodservice operations Commercial property for building contents and equipment Liability-only accounts start at $600, with package minimums beginning at $900. Policies are placed on non-admitted paper through A-rated carriers, providing capacity and underwriting expertise for risks that may be difficult to place in standard markets. Underwriting Notes and Minimum Premiums Underwriting review is required for every submission. Some small operations may qualify as non-auditable if annual receipts are under $500,000—this can simplify placements for lower-revenue clients. Appetite is focused on single-location, on-site food preparation with substantial take-out/delivery volume; higher-risk exposures (extensive alcohol sales, multiple locations, or significant catering/onsite event exposures) will generally be declined or require separate review. Territories and Availability This program is currently available in the following states: Florida (FL) Illinois (IL) Indiana (IN) Iowa (IA) Missouri (MO) Contact the appropriate state representative below to discuss specific submissions, appetite nuances, and available limits. Why Work With IPMG? IPMG specializes in niche commercial programs and offers agents access to markets that understand take-out and delivery-focused restaurant risks. The underwriting team has experience placing accounts that do not fit typical restaurant markets and can help identify the right structure and limits for off-premise exposure. Whether your client runs a busy sandwich shop with no seating or a family-style kitchen offering curbside pickup and limited alcohol sales, IPMG can help place the account efficiently and competitively. Program Contacts by State Matt Becker (IL, IN, IA) (630) 485-5952 [email protected] Barbara Commings (FL) (855) 377-4764 Ext 5222 [email protected] Leona Greeves (MO) (314-293-9700) Ext 9705 [email protected] Frequently Asked Questions What types of accounts are a good fit for this program?Restaurants with 35% or more of sales from take-out or delivery, including sub shops, coffee shops, and Asian restaurants. Family-style restaurants with limited alcohol sales may also qualify. Is this program available in my state?This program is available in FL, IL, IN, IA, and MO. Contact the corresponding state representative for submission details. What coverage options are available?Coverage includes liability and property. Packages start at $900, and standalone liability starts at $600. Are small operations eligible?Yes, risks with under $500,000 in receipts may be considered non-auditable, making the program accessible for smaller businesses. Who underwrites the policies?Coverage is written on non-admitted paper through A-rated carriers, ensuring strong financial backing and underwriting expertise. Need help placing an account? Connect with a market specialist.