Search CompleteMarkets

ProHost Catering Insurance is a specialized program ...suitable for established or growing catering operations. In which states is this program available?The Catering Insurance Program is available in...

...cream trucks, or provide on-site catering for weddings, parties, or corporate ...s program?This program is ideal for catering businesses, food trucks, ice crea...

...ent delis, sandwich shops, small catering prep kitchens, and café/deli hybrids... A small deli with a delivery and catering arm, modest kitchen equipment, an...

Bar-Restaurant Insurance including Liquor Liability coverage available in OHIO, KENTUCKY & INDIANA Stoermer Insurance Brokers is an Ohio-based wholesale broker with over 40 years of experience placing Bar, Tavern and Restaurant risks. We provide Liquor Liability — on a monoline or package basis — to retail agents throughout Ohio, Kentucky and Indiana. Our program is designed for independent agents who need flexible placement options for on- and off-premises alcohol exposures. We can offer Bar-Restaurant - Liquor Liability Coverage monoline or on a package basis for the following classes: Adult Entertainment Establishments Bars & Taverns Beverage/Package/Liquor Stores Billard or Pool Halls Bowling Alleys Caterers Clubs - Country or Golf Clubs - Fraternal Clubs - Non-Fraternal - Civic, Service or Social Concessionnaires Convenience Stores Dance Halls & Ballrooms Distributors Golf Courses - Municipal/Public Grocery Stores Hotels/Motels Nightclubs Restaurants Rental Halls Special Events Theatres Wineries Overview of the Program from Stoermer Insurance Brokers Our Bar-Restaurant Insurance program focuses on liquor liability exposures plus related GL and property needs where permitted. We work with several admitted and non-admitted carriers and position submissions to match carrier appetites — whether you need a straightforward liquor liability monoline, a combined package, or excess capacity through E&S placement. Stoermer serves retail agents in OH, KY and IN and can guide you toward the best available market for each account. Ideal Accounts and Appetite Typical fits: independent bars, taverns, restaurants, nightclubs, wineries, golf/club facilities, package stores and event/concession operations. We can consider both on-premises and off-premises liquor exposures, caterers with alcohol service, and special events where liquor is sold or served. Preferred accounts generally have reasonable loss histories, trained staff, written alcohol service procedures, and appropriate security for higher-risk operations. Higher-risk or unusual exposures (late-night nightclubs, large-capacity concert venues, or locations with repeated liquor claims) can be considered but often require higher limits, endorsements, or placement in the non-admitted market. Coverage Highlights and Advantages Liquor Liability available monoline or packaged with GL, property and liquor-related endorsements where applicable. Access to multiple admitted and surplus markets to improve placement success for most accounts. Programs structured for flexible limits and tailored endorsements — useful for restaurants, bars, caterers and event operators. Experienced underwriting review to identify loss control items that improve pricing and insurability (e.g., staff training, ID checks, licensed security). Underwriting Notes and Minimum Premiums Underwriting factors include hours of operation, alcohol sales percentage, occupancy/capacity, security measures, loss history and management controls. Minimum premiums vary by carrier and class — contact Stoermer for specific minimums and submission requirements. We recommend including an ACORD application, recent loss runs, and details on alcohol service procedures with your submission. Territories and Availability Available to retail agents in Ohio, Kentucky and Indiana (OH, KY, IN). Stoermer places both admitted and E&S paper depending on the account; some coverages or classes are only available in the surplus market. Please confirm state-specific eligibility when submitting. Why Work with Stoermer Insurance Brokers 40+ years placing hospitality and liquor exposures for retail agents in the tri-state area. Access to several carriers and the flexibility to move between admitted and E&S markets. Practical underwriting feedback and clear submission requirements to speed placement. Responsive wholesale service designed to support independent agents and their insureds. Example scenarios You might have a neighborhood bar with a good loss record that needs a clean liquor liability monoline with competitive pricing — we can often place those with admitted carriers. Or you may have a winery that does tastings and hosts events; we can package liquor liability with general liability and event options to fit that operation. Frequently Asked Questions What types of accounts are a good fit for Stoermer’s Bar-Restaurant program?Independent bars, taverns, restaurants, nightclubs, wineries, package stores, caterers and event operators in OH, KY and IN are core targets. Accounts with reasonable loss histories and documented alcohol service procedures typically place most easily. Can you write both admitted and non-admitted liquor liability?Yes. Stoermer works with several admitted and surplus markets. Some classes or higher-risk accounts may be placed in the E&S market while more standard risks can qualify for admitted paper. What information should I include with a submission?Include an ACORD application, three years of loss runs, a description of alcohol service procedures (server training, ID checks), hours and occupancy, and any security details. This helps underwriters respond faster and more accurately. Are minimum premiums the same across classes?No. Minimums vary by carrier and class. Contact Stoermer for current minimum premium information and to determine the best carrier for a specific account. Need help placing an account? Connect with a market specialist.

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.

Liquor Liability Coverage Through Access E&S Insurance Services Access E&S Insurance Services offers a Liquor Liability program designed to help insurance agents place coverage for clients with liquor-related exposures. Whether your insured operates a full-service bar, a restaurant with a liquor license, or hosts occasional events where alcohol is served, this program provides flexible options to address both retail and host liquor liability risks. Ideal Accounts and Appetite This program is suitable for a wide range of businesses that serve, sell, or distribute alcohol, including: Bars and taverns Nightclubs and lounges Restaurants and cafes with liquor licenses Caterers and banquet halls Event venues and promoters Retailers and convenience stores (off-premise sales) Accounts that do not directly sell alcohol but may serve it occasionally—such as corporate offices hosting holiday parties—should consider Host Liquor Liability coverage for incidental exposures. Note that claims can be denied if an event qualifies as a sale rather than incidental service, so it’s crucial to identify the nature of your client's exposure. Coverage Highlights and Advantages Liquor Liability for establishments that regularly or occasionally serve alcohol Host Liquor Liability options for non-liquor businesses with incidental exposure Access to a wide range of markets to meet varying risk profiles and state-specific requirements Competitive options for both admitted and non-admitted placements (most markets are non-admitted) Support in navigating gray areas where business operations may unintentionally constitute liquor sales Each state has different statutes regarding liquor liability, but in today’s litigious environment, any establishment that serves alcohol—regularly or occasionally—could become part of a liability claim. This program helps agents ensure their clients are not left uninsured in these scenarios. Underwriting Notes and Minimum Premiums Underwriting will evaluate the type of establishment, alcohol sales as a percentage of total revenue, hours of operation, security protocols, and prior loss history. While minimum premiums vary by account and carrier, Access E&S has access to carrier partners that can accommodate a wide range of premium thresholds for qualified accounts. Territories and Availability Liquor Liability coverage through Access E&S Insurance Services is available in the following states: Arizona (AZ) California (CA) Colorado (CO) Nevada (NV) Texas (TX) Washington (WA) Why Work With Access E&S Insurance Services? As an experienced Excess & Surplus Lines Broker, Access E&S Insurance Services brings deep market access and underwriting expertise to the table. Their team understands the nuances of liquor liability and works with agents to identify the right markets for their clients—whether the risk is straightforward or complex. With access to various carriers and a strong presence in key Western states, Access E&S is well-positioned to help you place your liquor liability business efficiently and competitively. Whether you’re helping a new bar open its doors or looking to cover a one-off event hosted by a nonprofit, Access E&S can help you secure the right coverage for your clients’ needs. Frequently Asked Questions What types of accounts are a good fit for this Liquor Liability program?This program is ideal for bars, restaurants, nightclubs, event venues, caterers, and any business that serves or sells alcohol. Host Liquor Liability is also available for businesses with incidental exposures. Is Host Liquor Liability available for businesses that do not sell alcohol?Yes. Host Liquor coverage is available for businesses that serve alcohol occasionally, such as at holiday parties or corporate events, as long as the service is not deemed a sale. Which states is this program available in?Access E&S offers this program in Arizona, California, Colorado, Nevada, Texas, and Washington. Do you offer admitted or non-admitted markets?Most available markets for this program are non-admitted, giving agents access to flexible coverage options for unique or higher-risk accounts. What underwriting information is required to submit an account?Underwriters typically require details such as alcohol sales percentage, hours of operation, security measures, and prior loss history. Need help placing an account? Connect with a market specialist.

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.

...curring significant expenses for catering, photography, and entertainment. Thi...

...ltiple locations, or significant catering/onsite event exposures) will general...