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...ding property, general liability, workers' compensation, earthquake, excess pr... Property and excess property Workers' compensation Umbrella and excess liabili...

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...

... Taverns, bars and brewpubs Catering operations (on- and off-site) ...lodging food & beverage outlets and catering operations. Delivery is eligible ...

...Establishments Fast Food and Catering Services Bars, Taverns, and Nigh...age options for hospitality industry workers’ compensation insurance visit www.drjco.com. ...

... & beverage service, banquet and catering staff Facility maintenance, pool a...vailable outside of Florida?No. This Workers' Compensation program is currently only avail...

Restaurant Workers' Compensation Insurance is available...his coverage?The minimum premium for workers' compensation coverage in this program begins...

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

Insential's Insurance for Special Events program delivers tailored coverage for organized and temporary events across most U.S. states. Whether your client is staging an intimate charity fundraiser or a large tradeshow, you can place the appropriate general liability and specialty coverages to protect the event, venue, and organizers. Overview of the Program From Insential As an experienced Excess & Surplus Lines Broker, Insential partners with multiple carriers to give agents access to the markets needed for event exposures. Our program is built for the unique risks of temporary and one-time events, offering flexible, responsive solutions and guidance on appropriate limits and risk classes. We combine quick quote turnaround with competitive terms and underwriting that understands event variability. Whether the insured is an event planner, venue host, caterer, or organization staging a public gathering, Insential helps you place the right coverages efficiently. Ideal Accounts and Appetite We handle a broad spectrum of event types, including: • Auctions • Art Displays • Bazaars • Banquets • Conventions • Craft Fairs and Displays • Charity Events • Concerts • Graduations • Lectures and Seminars • Meetings and Pageants • Proms and Reunions • Religious Assemblies • Parades and Shows • Static Auto Shows • Social Gatherings • Trade Shows • Receptions and Weddings Typical fits include one-time events and recurring functions where temporary exposures exist—venues, promoters, caterers, independent event planners, and nonprofit fundraisers. We also accept new ventures and first-time events when adequate underwriting information is provided. Example placements you might encounter: A community association hosting an annual block party that needs general liability and optional liquor liability for a single-day permit. An organizer running a three-day trade show requiring higher aggregate limits, vendor coverage considerations, and defense costs outside the limits. Coverage Highlights and Advantages Program features designed for event business: • Liquor liability available • Multiple deductible options, including $0 deductible options in select cases • Defense costs paid outside of policy limits • Supplemental applications accepted • 3-year loss runs where required • New ventures welcome • Quick quote turnaround to help you close business faster Underwriting Notes and Minimum Premiums Minimum premiums vary by event type, duration, location, and requested limits. Underwriting will consider attendee counts, alcohol service, security, vendor activities, and prior loss history. Supplemental applications and loss runs may be requested to complete the submission. Provide a clear description of operations, expected attendance, and any alcohol or rental equipment arrangements to help speed placement. Territories and Availability This program is available in most states, including but not limited to CA, TX, FL, NY, IL, and GA. We serve agents and brokers nationwide, with coverage accessible in 48 states plus Washington, DC. Contact Insential to confirm availability and specific filing requirements for your client’s location. Why Work With Insential on Special Events Insential focuses on specialty and hard-to-place risks and provides agents with market access and underwriter expertise for event business. Our strengths include targeted underwriting for temporary exposures, expedited quoting, and a willingness to consider new ventures and unusual risks. We aim to remove friction from the placement process so you can focus on serving your client. Let our team help you secure solid protection for your client’s next event—from weddings and receptions to large-scale conventions. If you need help placing an account, connect with a market specialist. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for one-time or recurring special events such as weddings, trade shows, concerts, charity fundraisers, and religious gatherings. Can new ventures or first-time events be covered?Yes. We accept new ventures and first-time events provided sufficient underwriting information is supplied. Is liquor liability available through this program?Yes. Liquor liability can be included based on the nature of the event and underwriting approval. What is the typical turnaround time for quotes?We offer quick quote turnaround—often within 24–48 hours—depending on the complexity of the risk and the completeness of the submission. Do you write business in all states?We offer coverage in most U.S. states, including DC. Contact us to confirm availability for your client’s specific location. Need help placing an account? Connect with a market specialist.

... stores, small supermarkets, and catering firms Alcohol-serving venues such ...re available for commercial auto and workers’ compensation where needed, in addition to pa...

Liquor Insurance — Caitlin Morgan Insurance Services Caitlin Morgan Insurance Services offers access to specialized Liquor Legal Liability coverage designed for retail alcohol exposures. Our wholesale brokerage placement options serve agents who need a market for bars, restaurants, clubs and similar operations where liquor exposure is a primary underwriting concern. We combine targeted appetite, flexible limits and industry-focused underwriting to help you place accounts that many general liability programs decline or restrict. Overview of the Program This program provides mono-line liquor liability placements with limits and features tailored for hospitality and club operations. Coverage is underwritten to address common alcohol-related exposures, including third-party bodily injury and property damage arising from service of alcohol. Caitlin Morgan works with multiple admitted and non-admitted carriers to provide capacity and flexibility for a range of account profiles. Ideal Accounts and Appetite This program targets accounts where liquor exposure is the primary risk. Typical fits include: Restaurants (with and without bars) Sports bars, taverns and neighborhood bars Private, golf and tennis clubs Caterers and venues that serve alcohol Bowling alleys and similar entertainment venues Accounts with strong loss controls, trained staff (RAMP/serving training), and clear policies for intoxication management are preferred. High-risk operations (e.g., unlicensed repeat violations, severe prior liquor losses, large-scale nightclubs with uncontrolled capacity) may be declined or require special terms. Coverage Highlights and Advantages $1M per occurrence liquor legal liability, with $2M aggregate limits available Per-location aggregate available for multi-location operations Assault and battery coverage included on accounts where liquor sales are under 55% Assault and battery buy back option for accounts over 55% liquor Minimum premium as low as $1,000 for eligible risks Underwriting Notes and Submission Requirements Provide the following to start a submission: three years of loss history, copy of the liquor license, schedule of locations and annual liquor receipts, details on security and staff training, and any incident policies. Underwriting will consider percentage of revenue from alcohol, hours of operation, patron capacity, and prior liquor-related claims or violations. Example placements you might have: a neighborhood restaurant with a modest bar seeking a mono-line liquor policy for a new location; or a private golf club requiring per-location aggregate limits and assault & battery options as part of their risk program. Territories and Admitted Status Available in all listed 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. Positioning may be admitted or non-admitted depending on carrier and state filing—our team will advise on placement options for each account. Why Work With Caitlin Morgan Insurance Services As a wholesale broker focused on hospitality and liquor exposures, Caitlin Morgan offers broad carrier access and experienced underwriting support to help you place difficult liquor risks. We provide responsive quote turnarounds, flexible limit structures, and guidance on loss control measures that improve insurability. Use our Liquor Insurance program when you need a market that understands alcohol-related liability nuances and can tailor terms to your client’s operations. Frequently Asked Questions What types of accounts are a good fit for this liquor program?Restaurants with bars, sports bars, taverns, private clubs, golf and tennis clubs, caterers and similar hospitality venues where liquor exposure is the primary risk are good fits. Accounts should have a valid liquor license and basic loss control practices in place. What limits and endorsements are commonly available?The program offers $1M per occurrence liquor legal liability with $2M aggregate options, per-location aggregate for multi-sites, and assault & battery coverage (included or available as a buy-back depending on liquor revenue mix). What submission information does underwriting require?Underwriters typically want three years of loss history, the liquor license, annual liquor receipts or percentage of revenue from alcohol, description of security and staff training, and details on hours and capacity. Providing this up front speeds placement. In which states is this program available?Caitlin Morgan places liquor business across the listed states and DC. Availability as admitted or non-admitted depends on the carrier and the state—our desk will confirm options for your specific account. Need help placing an account? Connect with a market specialist.