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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...

... and responsive underwriting for catering and mobile food risks. The team is e...operty, and liability limits — or a catering company expanding into mobile kit...

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Liquor Liability Program — International Brokerage & Surplus Lines, Inc. International Brokerage & Surplus Lines, Inc. offers a dedicated Liquor Liability Program geared to independent agents and brokers placing hospitality and alcohol-exposure accounts. The program provides broad underwriting capacity through AIG and is structured to address dram-shop, host liquor, and related third-party liability exposures for a range of retail and on-premises alcohol operations. Ideal Accounts and Appetite This program is a fit for a wide set of alcohol-exposed classes, including: Restaurants and full-service dining operations Country clubs and private clubs Bowling alleys, bars, taverns and nightclubs Caterers and special-event vendors Package stores, distributors and wholesale operations Temporary events, festivals and other named risks with alcohol exposure Accounts with strong risk controls, trained staff, and loss-prevention programs are preferred. High-excess or unusually hazardous operations (for example, accounts with a pattern of severe liquor-related losses, unlicensed venues, or significant minors-on-premises issues) should be discussed with underwriting before submission. Coverage Highlights and Advantages Underwritten by AIG — access to market capacity for primary and excess placements. Covers common alcohol liability exposures including host liquor liability and dram-shop allegations. Flexible policy form options to match account needs and state requirements. Program designed for quick quoting on standard hospitality risks and tailored underwriting for more complex exposures. Underwriting Notes and Minimum Premiums Policy Forms - "Occurrence" or "Claims-Made" except MI & MN. Minimum premiums (program minimums): Bars, Taverns and Bowling Alleys starting at $1,500. All other classes starting at $1,000. Underwriting will consider location, annual receipts from alcohol sales, hours of operation, liquor licensing and compliance history, employee training (TIPS, server training), third-party security, and prior loss experience. For better risk tiers, consider submitting loss runs, menu of alcohol offerings, and details on training/security practices to expedite placement. Territories and Availability This Liquor Liability Program is available in the following states and territories: 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. Why Work With International Brokerage & Surplus Lines, Inc. on This Business Specialized program placement designed for agents handling hospitality and alcohol-exposed risks. Access to AIG capacity and program underwriting geared to both standard and complex liquor liabilities. Competitive quoting and underwriting flexibility for on-premises, retail, and special-event exposures. Example Account Scenarios You have a 120-seat neighborhood restaurant with moderate alcohol receipts, trained servers, and a clean loss history — this program can provide primary liquor liability limits at competitive pricing and prompt underwriting review. A county fair organizer needs short-term liquor liability for a weekend event with multiple vendors — the program can quote short-term/special-event exposures with terms based on vendor controls and licensing. Frequently Asked Questions What types of accounts are a good fit for this Liquor Liability Program?The program targets restaurants, bars, taverns, country clubs, caterers, package stores, distributors and special-event operations with alcohol exposure. Preferred accounts have good controls, liquor licensing, and employee training. Which policy forms are offered?Policy forms are available on an Occurrence or Claims-Made basis; note there are exceptions for MI and MN—confirm form availability with underwriting on submission. What are the program minimum premiums?Minimums start at $1,500 for bars, taverns and bowling alleys, and $1,000 for most other classes. Final premium is subject to underwriting, exposures and state requirements. What information should I include with a submission?Include alcohol-related annual receipts, hours of alcohol service, copy of liquor license, loss runs (preferably 5 years), server training programs, security measures, and any special-event details. The more detail provided up front, the faster underwriters can respond. Which carrier supports this program and where is it available?The program places with AIG and is available across the listed states and D.C. Availability and terms can vary by state—confirm eligibility with underwriting at submission. Need help placing an account? Connect with a market specialist.

... Institutional Food Services Catering Businesses If you have clients oper...t-down, fast food, fine dining, and catering services—are ideal candidates, es...

...ily Restaurants Ø Caterers and Catering Trucks Ø Bars and Neighborhood Tav...eal for restaurants, bars, taverns, catering businesses, social clubs, adult e...

...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...

Liquor Legal Liability Insurance Program from AI Risk AI Risk offers a specialized Liquor Legal Liability program designed to help insurance agents and brokers place coverage for clients who sell, serve, or distribute alcoholic beverages. With a focus on high-risk industries and events where liquor liability exposure is significant, this program provides essential protection for businesses that may be held liable for alcohol-related incidents involving patrons or third parties. Ideal Accounts and Target Classes This program is tailored for a wide range of businesses engaged in the sale or service of alcohol, including: Bars and taverns Restaurants Bowling alleys Country clubs Caterers Package stores Alcohol distributors Special events and temporary venues If you’re working with a bar that hosts weekly live music, or a caterer licensed to serve alcohol at weddings and corporate events, this program can help you place the right coverage to meet their liquor liability needs. Coverage Highlights and Advantages AI Risk offers flexible policy structures to meet the diverse needs of your clients. Coverage can be written on an “Occurrence” or “Claims-Made” basis (except in MI and MN), allowing adaptability based on client preference and state requirements. This Liquor Legal Liability program is backed by AIG, a leading carrier with strong financial stability and industry expertise. Key advantages include: Broad appetite for alcohol-related exposures Competitive pricing based on risk class and limits Access to experienced underwriters who understand liquor liability risks Underwriting Notes and Minimum Premiums Minimum premiums vary by risk class: Bars, taverns, and bowling alleys: Minimum premium starts at $3,100 depending on limits, coverages, and classification All other classes: Minimum premium starts at $1,250 AI Risk evaluates each submission on its merits, with attention to operational details, loss history, and controls related to alcohol service. Territories and Availability This program is available in all 50 states plus Washington D.C., giving you nationwide reach to serve clients wherever they operate. AI Risk offers both admitted and non-admitted options depending on the specific risk and location. Why Work With AI Risk? AI Risk is a Managing General Agency and Carrier with a strong reputation for underwriting expertise in complex commercial lines. By partnering with AIG and offering nationwide access, AI Risk provides agents and brokers with reliable solutions for liquor liability exposures. Their deep understanding of the hospitality and alcohol service industries allows them to deliver tailored coverage options and responsive service that help you meet your clients’ needs and close more business. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for businesses that sell or serve alcohol, including bars, restaurants, caterers, liquor stores, and special event organizers. Is coverage written on an occurrence or claims-made basis?Coverage is available on either an occurrence or claims-made basis, except in Michigan and Minnesota where only one form may be offered due to state regulations. What is the minimum premium for this program?Minimum premiums start at $3,100 for bars, taverns, and bowling alleys, and $1,250 for other eligible classes, depending on coverage limits and risk classification. Which carrier backs this program?The Liquor Legal Liability program is backed by AIG, a well-established carrier with strong financial ratings and industry expertise. Is this program available in all states?Yes, AI Risk offers this program in all 50 states and Washington D.C., with both admitted and non-admitted options depending on the risk and location. Need help placing an account? Connect with a market specialist.