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Sport, fitness, dance, and martial arts/self defense instructors, now your sport instructor insurance program can be in top shape, too! K&K can offer coverages that will defend and indemnify instructors for alleged negligence resulting in bodily injury and property damage while performing their duties. Must be an instructor who directly supervises an individual or group in sports, fitness, dance or martial arts-related activities. Eligible Operations for Sport Instructor Insurance: Sports Instructors: - Baseball instructor insurance - Racquetball instructor insurance - Basketball instructor insurance - Road Running instructor insurance - Baton twirling instructor insurance - Soccer instructor insurance - Bowling instructor insurance - Softball instructor insurance - Cheerleading instructor insurance - Swimming instructor insurance - Cross country instructor insurance - Table Tennis instructor insurance - Fencing instructor insurance - Tennis instructor insurance - Figure skating instructor insurance - Track & Field instructor insurance - Football instructor insurance - Tumbling instructor insurance - Golf instructor insurance (floor only, no gynmastic - Gymnastics instructor insurance* apparatus) - Hockey instructor insurance - Volleyball instructor insurance - Lacrosse instructor insurance - Pickleball instructor insurance - Wrestling instructor insurance *Not available for purchase online. Submit PDF application. Coverages Available & Program Highlights: - Bodily Injury and Property Damage - Personal and Advertising Injury - Products and Completed Operations - Professional Liability - Medical Expense (other than participants) - Legal Liability to Participants - Damage to Premises Rented to You K&K Insurance offers sports and recreation websites offering online purchasing capabilities and commission for agents and brokers. The website is simple to use and provides an option to purchase coverage immediately using a credit card. K&K, a leading provider of sports, leisure and entertainment insurance programs, is a key supplier of coverage to the sports and recreation industry and is pleased to offer this innovative technology for our clients’ convenience. The program offers 10% commission to insurance agents when using the online binding system. A convenient registration area allows agents to manage quotes and bound accounts. Coverage can be purchased at the following site: www.kandkinsurance.com/programs/sports-instructor/sports-instructor-insurance Please contact our regional sales directors for questions about programs offered by K&K. David Mello – AK, AZ, CA, CO, HI, IA, ID, IL, KS, MA, ME, MN, MO, MT, ND, NE, NH, NJ, NV, NY, OK, OR, SD, UT, VT, WA, WI, WY [email protected] 260.438.7611 Nick Pentsos – AL, AR, CT, DC, DE, FL, GA, IN, KY, LA, MD, MI, MS, NC, NJ, OH, PA, RI, SC, TN, TX, VA, WV [email protected] 260.222.1864

Bailey Special Risks, Inc. offers a comprehensive Bar, Restaurant & Tavern Insurance Program tailored for establishments with liquor sales exceeding 50% of their gross sales. This program is designed to help agents and brokers efficiently place coverage for high-liquor-exposure hospitality risks, including businesses offering dancing and live entertainment. Whether you're working with a neighborhood tavern or a packed nightclub, this market is structured to handle complex exposures in the hospitality sector. Ideal Accounts and Appetite This program is best suited for: Bars and taverns with liquor sales over 50% of total revenue Restaurants with full-service bars Nightclubs and lounges with dancing or live music Establishments featuring entertainment such as DJs or karaoke Accounts that include entertainment and dancing are eligible, opening the door for a wide range of nightlife venues. Risks with strong liquor controls and a history of responsible operations are especially attractive. Coverage Highlights and Advantages The Bar & Tavern Package can quickly and easily be quoted for up to five lines of insurance: Property Liquor Liability Excess Umbrella Crime coverages Coverage is available on a package or monoline liability basis, providing flexibility depending on your client’s needs. Liquor liability is a key focus, but the program also supports broader risk management through excess and umbrella options, giving your insureds layered protection. Crime and property coverages further round out the program for complete peace of mind. Underwriting Notes and Minimum Premiums This program is written on a non-admitted basis through the United States Liability Insurance Group, a recognized carrier with strong hospitality expertise. Accounts are underwritten with efficiency and flexibility, making it easy to obtain quick quotes even for higher-risk operations. While no specific minimum premium is listed, submissions should reflect viable revenue and exposure levels for the hospitality class. Territories and Availability You can place this program in a wide range of states. Currently available in: AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD, MA, MI, MS, MO, NV, NJ, NY, NC, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WV, WI, and WY. Why Work With Bailey Special Risks, Inc.? Bailey Special Risks, Inc. is a wholesale broker with deep experience in hard-to-place and specialty hospitality risks. With access to strong carrier markets and a responsive underwriting team, BSR helps agents and brokers place challenging bar and tavern exposures with confidence. Their streamlined quoting process and broad appetite make them a go-to resource for establishments that may not fit standard markets. For example, if you have a client operating a late-night bar with live DJs and a dance floor, or a local restaurant with daily happy hours and over 60% liquor sales, this program offers the underwriting flexibility and coverage options you need to get the deal done. Frequently Asked Questions What types of accounts are a good fit for this program?Bars, taverns, restaurants with high liquor sales, nightclubs, and entertainment venues with dancing or live music are all good fits—especially those generating over 50% of revenue from alcohol. Can I submit accounts with live entertainment or dancing?Yes, the program accepts accounts that feature entertainment such as DJs, live bands, karaoke, and dancing. Is liquor liability available on a monoline basis?Yes, liquor liability coverage can be written as part of a package or on a monoline basis depending on your client's needs. Which states is the program available in?The program is available in over 35 states, including CA, TX, FL, NY, and many others across the Midwest, South, and Northeast. Who is the carrier for this program?The program is written through United States Liability Insurance Group, a trusted non-admitted market known for specialty risk expertise. Need help placing an account? Connect with a market specialist.

Our Cheer Gym Insurance program specializes in the instruction of cheerleading, dance, tumbling, trampolines and related programs. The program offers liability coverage for the gym including its employees and volunteers, and for liability claims arising out of the gym's operations. Eligible Classes: • Cheer gyms and clubs Coverages Available & Program Highlights: General Liability - Bodily Injury and Property Damage - Personal and Advertising Injury - Products and Completed Operations - Damage to Premises Rented to You - Medical Expense (other than participants) - Hired Auto and Employers' Nonowernership Liability (not provided in IL, LA, UT, VT & WI) - Professional Liability - Bodily Injury to Participants - Medical Payments for Participants - No Charge for Certificates of Insurance - Premises Liability Included Optional Coverages: - Ancillary instructional or learning programs coverage - On-site Birthday Party Coverage (optional) - Equipment and Contents Inland Marine - Abuse, Molestation or Exploitation Defense Reimbursement Coverage - Meets, Competitions & Events Coverage - Parkour, Ninja, free-running, extreme tumbling, and indoor obstacle courses coverage - Excess Liability - Directors' and Officers' Liability including Employment Practices Liability for Not-for-profits - Sexual Abuse or Sexual Molestation Liability (optional) - On-site inflatable amusement devise - Open gym, parent's night out, and special events coverage - Camps, clinics, swimming pools coverage Please contact our regional sales directors for questions about programs offered by K&K. David Mello – AK, AZ, CA, CO, HI, IA, ID, IL, KS, MA, ME, MN, MO, MT, ND, NE, NH, NJ, NV, NY, OK, OR, SD, UT, VT, WA, WI, WY [email protected] 260.438.7611 Nick Pentsos – AL, AR, CT, DC, DE, FL, GA, IN, KY, LA, MD, MI, MS, NC, NJ, OH, PA, RI, SC, TN, TX, VA, WV [email protected] 260.222.1864

M.J. Hall & Company, Inc. offers a specialized Nightclub Insurance program built for the unique risks of nightlife venues — including gentlemen’s clubs, private membership clubs, country-western dance halls, and bars or restaurants with live entertainment. Whether your client operates with or without food service, dance floors, DJs, or live bands, this program helps you place tailored liability and property protection. This program is geared toward small to mid-sized bar and nightclub operations, as well as restaurants with or without alcohol service. Ideal Accounts and Appetite M.J. Hall targets a broad range of nightlife risks across AK, AZ, CA, HI, and NV. The program is a good fit when accounts have exposures that make placement in standard markets difficult — for example, liquor liability, dancing or live entertainment, valet operations, or on-site security staff. Nightclubs with live DJs or bands Gentlemen’s clubs with or without food service Country western dance halls Private membership clubs Bars and restaurants offering alcohol, dancing, or valet parking If you have clients whose entertainment venues fall outside typical market appetites because of liquor exposure, patron activities, or security concerns, this program provides underwriting flexibility and tailored solutions. Coverage Highlights and Advantages M.J. Hall’s Nightclub Insurance program provides access to core commercial coverages and industry enhancements that agents commonly need when placing hospitality and nightlife accounts. General Liability (Primary or Excess) - Commercial General Liability limits up to $3,000,000 - Primary Liquor Liability up to $1,000,000 Available Program Enhancements: - Garage Keepers coverage for valet services - Non-Owned & Hired Auto coverage - Assault & Battery coverage (subject to underwriting) - Business Income protection - Medical Payments coverage Crime Coverage - Inside the Premises - Outside the Premises Property Coverage - Basic, Broad, or Special form options - Replacement Cost or Actual Cash Value valuation - Contents and Equipment Breakdown - Business Income and Extra Expense - Accounts Receivable, Computer Equipment, Valuable Papers, and Outside Signs Underwriting Notes and Minimum Premiums Minimum premiums vary by exposure and coverage selection; typical programs start around $2,500 and increase based on risk characteristics, limits, and enhancements. M.J. Hall underwrites both admitted and non-admitted placements in select states and works with multiple carrier partners to find the appropriate capacity. Territories and Availability This program is available to licensed agents and brokers in Alaska, Arizona, California, Hawaii, and Nevada. Other territories may be considered on a case-by-case basis — contact M.J. Hall to discuss a specific opportunity. Why Work With M.J. Hall & Company, Inc.? As an Excess & Surplus Lines broker, M.J. Hall brings decades of hospitality placement experience and strong carrier relationships. The team focuses on challenging nightlife accounts and can tailor programs that address liquor exposures, assault and battery risk, valet operations, and entertainment-related liabilities. Examples agents commonly place with this program: You have a neighborhood nightclub that hosts live bands and offers late-night service — the program can combine GL, liquor liability, and assault & battery options. You represent a restaurant that added a dance floor and valet service — the program can add garage keepers, non-owned auto, and increased liability limits to address the new exposures. Contact M.J. Hall today for Nightclub Insurance solutions tailored to your clients’ nightlife and hospitality operations. For appointment contact: [email protected] Frequently Asked Questions What types of accounts are a good fit for M.J. Hall's Nightclub Insurance program?We target small to medium-sized nightclubs, bars, gentlemen’s clubs, country western venues, and restaurants with or without alcohol sales or live entertainment. Can this program cover liquor liability?Yes. We offer primary liquor liability coverage up to $1,000,000, making the program suitable for venues that serve alcohol. Is assault and battery coverage included?Assault & battery coverage is available as an optional enhancement, subject to underwriting approval and terms. In which states is this program available?This program is currently available in Alaska, Arizona, California, Hawaii, and Nevada. What is the minimum premium for this program?Minimum premiums typically begin at $2,500, though actual pricing varies based on the account's exposures and selected coverages. Need help placing an account? Connect with a market specialist.

We are actively seeking Restaurants, Bars, Taverns, fraternal organizations and social clubs (including VFW posts), plus retail and convenience stores and businesses that provide on-premises catering. Comprehensive Restaurant/Bar/Tavern Insurance from Insurance Markets Agency Inc Insurance Markets Agency Inc offers a targeted Restaurant/Bar/Tavern Insurance program built for hospitality risks that are difficult to place in standard markets. This program is designed for agents writing business in New Jersey and Pennsylvania and supports accounts with liquor exposures, live entertainment, dancing, and other hospitality operations that require flexible non-admitted markets. Ideal Accounts and Appetite Our appetite covers a broad range of hospitality and related retail operations, including: Full-service and quick-service restaurants, including those with on-site catering Bars, taverns, pubs and nightclubs with or without live entertainment Venues with dancing or DJs Fraternal organizations and social clubs (e.g., VFWs) Convenience and retail stores that sell prepared food or alcoholic beverages You might have a client who runs a neighborhood tavern with weekend live music and a full liquor license, or a small banquet facility that caters private events — this program is structured to cover those combined property, liability and liquor risks on a single policy. Coverage Highlights and Advantages Core coverages: Commercial Property (building, business personal property) General Liability with industry-appropriate limits Liquor Liability available and bindable on the same policy Single-policy placement for property, liability and liquor exposures Optional enhancements: Money and securities Equipment breakdown (food spoilage coverage up to $25,000) Glass coverage Valuable papers and accounts receivable Employee dishonesty/fidelity Limits of Insurance Property limits: Placed as required with "A"-rated markets. General liability limits (typical): $1,000,000 Each Occurrence $1,000,000 Personal & Advertising Injury $1,000 Medical Payments $100,000 Damage to Premises Rented to You $1,000,000 Product/Completed Ops Aggregate $2,000,000 General Aggregate Liquor liability: Available up to $1,000,000 per occurrence/aggregate. Underwriting Notes and Minimum Premiums This program is offered on a non-admitted basis through a panel of carriers. Minimum premiums and specific underwriting requirements vary by account size, class code, and individual exposures. Our underwriters have experience evaluating complex hospitality operations and can work with you to tailor coverage, endorsements, and limits to the insured’s needs. Territories and Availability Available to agents writing business in New Jersey (NJ) and Pennsylvania (PA). Because placements are handled on a non-admitted basis, this program can provide flexible terms for accounts that do not fit standard admitted markets. Why Work With Insurance Markets Agency Inc? As a Managing General Agency and Excess & Surplus Lines Broker, Insurance Markets Agency Inc specializes in hospitality risks and has established relationships with a range of "A"-rated non-admitted carriers. We provide focused underwriting, fast quoting and streamlined binding to help you place hard-to-place or uniquely exposed restaurant and bar accounts. Our team understands liquor liability, entertainment exposures and the operational nuances of hospitality businesses. Frequently Asked Questions What types of accounts are a good fit for this program?Restaurants, bars, taverns, nightclubs, social and fraternal clubs (including VFWs), and retail/convenience stores that serve food or alcohol—especially those with liquor or entertainment exposures—are a good fit. Is liquor liability included in the policy?Yes. Liquor liability is available and can be combined with property and general liability on a single policy. Can I place risks with dancing or live entertainment?Yes. Accounts with dancing, live bands, DJs or other entertainment exposures are eligible and routinely considered by our underwriters. What states is this program available in?This program is currently available in New Jersey and Pennsylvania. Are the carriers admitted or non-admitted?Policies are written on a non-admitted basis through various select carriers. Need help placing an account? Connect with a market specialist.

Amusement Centers Insurance M.J. Hall & Company, Inc. offers a specialized Amusement Centers Insurance program designed to help agents and brokers place coverage for a wide range of entertainment venues and recreational facilities. This program provides General Liability, Property, and Crime coverage tailored for operations such as arcades, bowling alleys, billiard halls, batting cages, archery and shooting ranges, dance halls, commercial swimming pools, movie theaters, casinos, parks, playgrounds, and playhouses. These businesses face unique liability exposures, including guest safety, equipment hazards, and property damage risks. Our market access and underwriting expertise allow you to confidently offer comprehensive protection to your amusement and entertainment clients. Ideal Accounts and Appetite This program is a great fit for small to mid-sized amusement venues that cater to the public and feature interactive or entertainment-based attractions. Target classes include: Indoor arcades and gaming centers Bowling centers and billiard halls Batting cages and sports training facilities Shooting and archery ranges Mini amusement parks and playgrounds Dance halls and small event venues Community movie theaters and playhouses Swimming pools and fishing ponds operated for recreation You might have a client operating a local bowling alley with a snack bar and arcade area—this program would be well suited to address their general liability and property needs. Coverage Highlights and Advantages M.J. Hall’s Amusement Centers Insurance program includes flexible and competitive coverage features: General Liability: • Primary Limits up to $3,000,000 Occurrence / $5,000,000 Aggregate • Blanket Additional Insured Endorsement available • Medical Payments Coverage - $5,000 Limit - Included Deductible: • No deductible required Property: • Basic, Broad, or Special Form • Replacement Cost or Actual Cash Value options • Building coverage • Business Personal Property • Business Income • Equipment Breakdown • Accounts Receivable • Computer Equipment • Outside Signs • Valuable Papers Crime: • Inside the Premises – Theft of Money and Securities • Inside the Premises – Robbery or Safe Burglary of Other Property • Outside the Premises Underwriting Notes and Minimum Premiums Minimum premiums will vary depending on the scope of operations, location, and coverage selected. M.J. Hall works with agents to evaluate each submission on its own merit and offers flexible underwriting for well-managed risks. Territories and Availability This program is available in the following states: Alaska (AK), Arizona (AZ), California (CA), Hawaii (HI), and Nevada (NV). Admitted markets may be available in some states. Coverage is written through top-rated carriers including Colony Insurance Company (A XII), Covington Specialty Insurance Company (A+ XIV), Scottsdale Insurance Company (A+ XV), and Essex Insurance Company (A XIV). Why Work With M.J. Hall & Company As an established excess and surplus lines broker, M.J. Hall & Company brings decades of experience in placing complex and niche risks. Our team understands the unique exposures faced by amusement centers and can help you deliver tailored solutions to your clients. With access to strong carrier partners and responsive underwriting, we make placing amusement accounts more efficient and profitable for independent agents and brokers. For more information about Amusement Centers Insurance, please feel free to call or email. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for amusement centers such as arcades, bowling alleys, batting cages, shooting ranges, and small entertainment venues like dance halls or theaters. Which states is this program available in?The program is available in AK, AZ, CA, HI, and NV. Availability of admitted markets may vary by state. Are there minimum premium requirements?Minimum premiums vary based on the size and scope of the operation. M.J. Hall evaluates each risk individually to determine pricing. What carrier markets are used for this program?Carriers include Colony Insurance Company, Covington Specialty, Scottsdale Insurance Company, and Essex Insurance Company—all rated A or better. Is this coverage available on an admitted basis?Some admitted options may be available depending on the state and specific risk. Most placements are through non-admitted carriers. Need help placing an account? Connect with a market specialist.

Axiom Insurance Managers Agency, LLC leverages more than 25 years of hospitality underwriting experience to deliver a Nightclubs Insurance program designed for venues with live entertainment, food and beverage service, and adult-entertainment operations. We provide tailored, risk-specific coverage packages so you can place accounts that need specialized underwriting, flexible limits, and practical loss-control terms. Eligible Classes and Appetite This program targets nightclubs and related hospitality operations, including: Adult entertainment establishments (including “go-go” dancing) Adult bookstores Cabarets, jazz clubs, comedy clubs, and dance venues Nightclubs and lounges Upscale gentleman’s clubs Incidental habitational, hospitality, gaming, or retail exposures related to these operations can be considered. Common Ineligible Exposures Dancing on bars, speakers, or other raised/unstable platforms Interactive amusement devices Use of pyrotechnics or sanctioned stunt activities Liquor manufacturing Coverage Highlights and Limits General Liability $1,000,000 CSL Each Occurrence $2,000,000 CSL General Aggregate (per-location aggregate available on request for an additional fee) $1,000,000 CSL Products/Completed Operations $1,000,000 CSL Hired & Non-Owned Auto Liability Excluded Medical Payments $500,000 CSL Damage to Premises Rented to You Liquor Liability (package or mono-line): $1,000,000 Each Common Cause / $2,000,000 Aggregate Umbrella / Excess: Limits up to $10,000,000 Underwriting and Submission Requirements Signed ACORD applications Currently valued expiring term and prior three years loss runs Supplemental application (Axiom’s or another carrier’s) Target pricing or expiring premium Minimums and deductible guidance: Minimum revenue generally $250,000. Minimum deductible $5,000 (higher deductibles, e.g., $10,000, may be acceptable for credits). Program minimum premium: $10,000. Territories and Filing Status Available in: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, WA, DC, WV, WI, WY. Please note: this program is offered through non-admitted/surplus-lines placements rather than admitted filings. Why Place Nightclubs Insurance with Axiom Program administrator expertise: underwriters experienced in hospitality and adult-entertainment risks. Customized offerings: coverage forms and limits tailored to the specific operation and exposures. Capacity and structure: broad General Liability and Liquor Liability limits with umbrella capacity up to $10M. Flexible servicing: direct bill and financing options are available to insureds. Agent-Focused Examples You might place a downtown nightclub that hosts live bands and DJs, has on-premises liquor service, and annual revenue above the program minimum — requesting combined GL and liquor coverage with a per-location aggregate. Another fit could be an upscale gentleman’s club that requires higher liquor limits and umbrella protection up to $5–10M. Submission Tips Provide complete loss runs and a supplemental application up front to speed underwriting. Highlight loss-control measures (security staff, ID checks, stage/bar restrictions) and note any special entertainment (live bands vs. pyrotechnics or stunt shows) — those details materially affect eligibility. Frequently Asked Questions What types of nightclub accounts are the best fit for this program?Accounts with established security and operational controls, annual revenue at or above the $250,000 threshold, standard live entertainment (bands, DJs, comedians), and no prohibited activities (pyrotechnics, bar-top dancing, interactive amusement devices) are the best fit. What minimum premium and deductibles should I expect?The program minimum premium is $10,000. Minimum deductibles start at $5,000; higher deductibles (for credits) are available, such as $10,000. Is liquor liability included or separate?Liquor liability can be offered as either package or mono-line coverage. Limits up to $1,000,000 per common cause and $2,000,000 aggregate are available through the program. Which states are supported and how is the business placed?The program is available in the list of states shown in the listing and is typically placed on a non-admitted/surplus-lines basis rather than as an admitted filing. What speeds up underwriting and placement?Provide signed ACORDs, currently valued loss runs for the prior three years, a completed supplemental application, and the expiring premium or target pricing. Documentation of loss-control measures and detailed descriptions of entertainment and alcohol controls accelerate approval. Need help placing an account? Connect with a market specialist.

Bar Insurance Program from Pacific Coast E&S Insurance Services Pacific Coast E&S Insurance Services offers a flexible, hospitality-focused Bar Insurance program designed for a wide range of food-and-beverage operations — including locations with liquor sales and entertainment exposures. Whether your client runs a neighborhood restaurant, a full bar with live music, or an adult-entertainment venue, this program provides tailored liability and property solutions to protect operations, assets, and patrons. Ideal Accounts and Appetite This program is aimed at food and beverage establishments with varying levels of alcohol exposure, including: Restaurants (dine-in or take-out), with or without alcohol service Bars, pubs, and lounges Nightclubs and venues with dance floors Adult entertainment venues (with or without alcohol) Establishments offering live or recorded entertainment Pacific Coast E&S can consider accounts with alcohol sales from 0% up to 100%. Higher-exposure locations — such as adult clubs or dance venues — are eligible when submitted with complete underwriting information. Example fits: you might have a small Oregon bar that hosts weekend live music and a modest dance area, or a California family-style restaurant that recently added beer and wine service. Both are types of accounts this program is designed to place. Coverage Highlights and Advantages The program can be written as monoline Liquor Liability or as a broader package policy. Key features include: General Liability and Liquor Liability, with Assault & Battery coverage available Limits available up to $5,000,000 Follow-form Excess or Umbrella Liability options Property coverage enhancements such as: Food spoilage Equipment breakdown Property Extension Endorsement Coverage for signs and computer equipment Theft coverage (requires central station burglar alarm) Underwriting Notes Experienced underwriters review each submission with a focus on hospitality and nightlife exposures. Submissions should include clear details on alcohol sales, entertainment types, security practices, and loss history to speed placement. The program offers underwriting flexibility to consider higher-risk classes and tailor coverage terms to the account. No fixed minimum premium is listed here; submit complete applications and supporting documents for the most efficient evaluation and accurate indications. Territories and Availability This Bar Insurance program is available in the following states: California Oregon Washington Admitted carriers are available in select states; non-admitted (surplus lines) options may be used for more specialized risks or higher exposures. Certain products may be handled nationally from a central Premier location depending on class of business and state requirements. Why Work with Pacific Coast E&S Insurance Services? As a wholesale broker with deep expertise in E&S markets, Pacific Coast E&S connects agents and brokers to carriers that understand hospitality exposures. The team offers access to broad coverage options, competitive limits, and a responsive underwriting staff experienced with liquor liability, assault & battery, and entertainment-related risks. We focus on practical solutions that help you place challenging hospitality accounts — from quiet neighborhood bistros to high-energy nightclubs — with the appropriate mix of liability and property protection. Frequently Asked Questions What types of accounts are a good fit for this Bar Insurance program?We target restaurants, bars, nightclubs, and adult entertainment venues — with or without alcohol service, entertainment, or dance floors. Can I submit a risk with 100% alcohol sales?Yes. The program accepts risks with up to 100% alcohol sales and has experience handling high-liquor-exposure accounts. Is Assault & Battery coverage included?Assault & Battery coverage is available on both General Liability and Liquor Liability policies, subject to underwriting and policy terms. Are monoline Liquor Liability policies available?Yes. We offer both monoline Liquor Liability and full package policies depending on the client’s needs. Which states is this program available in?This program is currently offered in California, Oregon, and Washington; admitted markets are available in select states and surplus lines options are used for specialized risks. Need help placing an account? Connect with a market specialist.

Overview — M.J. Hall & Company, Inc. Bar and Tavern Insurance M.J. Hall & Company, Inc. offers a dedicated Bar and Tavern Insurance program designed for agents placing small- to medium-sized bars, taverns, nightclubs and restaurants with alcohol exposures. As an Excess & Surplus lines broker, M.J. Hall provides access to multiple markets and flexible solutions for accounts that require higher limits, liquor liability, assault & battery protection or specialized property and crime wording. Ideal accounts and appetite Neighborhood bars, taverns and lounges where alcoholic beverage sales represent a majority of revenue (typical definition: >50% of gross sales). Nightclubs and venues with live entertainment or dance floors (small to medium capacity). Restaurants that serve alcohol or convert to bar operations after-hours. Accounts that need primary liquor liability, assault & battery coverage, or valet/garagekeepers wording. We are best suited for accounts without catastrophic prior loss histories and with reasonable controls in place (trained staff, security protocols, incident documentation). Higher-risk nightclubs, large-capacity concert clubs, or locations with repeated severe liquor-related losses may require specialized placement or may be outside appetite. Coverage highlights and advantages General Liability: Primary or excess CGL available with limits up to $3,000,000. Primary Liquor Liability: Available up to $1,000,000 per occurrence. Optional/additional programs and endorsements: Garagekeepers coverage for valet services, Non-Owned/Hired Auto, Assault & Battery, Business Income, Medical Payments. Crime: Inside and Outside the Premises coverage for employee and third-party theft exposures. Property: Basic, Broad or Special forms; Replacement Cost or ACV; contents, business income, equipment breakdown, accounts receivable, computer equipment, outside signs, valuable papers. Access to various carriers through an E&S platform when admitted paper is not available. Underwriting notes and minimums Underwriting focuses on operations, mix of food vs. alcohol sales, security and incident history. Typical information to submit: Five years of loss history including liquor-related incidents Payroll and annual sales (split of bar vs. food when possible) Occupancy details: building construction, capacity, presence of dance floor or live entertainment Risk control measures: security staffing, ID checks, training, CCTV, incident logs Minimum premiums vary by state, class, and coverages bound. Expect minimums generally starting around $750 or higher depending on the package and selected limits. Territories and admitted status This program is available in AK, AZ, CA, HI and NV. M.J. Hall places coverage as an Excess & Surplus lines broker; admitted paper may be available in some states or for specific risks, while E&S placement will be used where admitted options are not offered. Why place this business with M.J. Hall & Company, Inc. Access to multiple carriers and flexible E&S solutions tailored for hospitality risks. Underwriters with experience evaluating alcohol-related exposures, live entertainment and valet operations. Ability to package liability, liquor liability, property and crime into comprehensive proposals—useful for agents managing accounts with mixed exposures. Responsive service for quote requests and binding on appropriate risks. Example account scenarios A 60-seat neighborhood bar with weekly live music, primary liquor sales and modest food service — needs primary liquor liability, general liability and contents coverage. A 300-capacity nightclub with valet parking — requires higher CGL limits, assault & battery coverage and garagekeepers for valet operations. Submit risks through your usual M.J. Hall wholesale channel with the requested underwriting package. For quoting questions or to confirm state availability and minimum premiums, contact your M.J. Hall representative. Frequently Asked Questions What types of bar or tavern accounts are a good fit for this program?Small- to medium-sized bars, taverns, lounges, nightclubs and restaurants with alcohol sales are ideal—especially those that need primary liquor liability, assault & battery protection or valet/garagekeepers coverage. High-capacity concert venues and accounts with repeated severe liquor losses may be difficult to place. What limits and coverages can I quote?General liability limits are available up to $3,000,000 and primary liquor liability up to $1,000,000. Property, crime, garagekeepers, non-owned/hired auto and assault & battery can be added depending on the account and carrier appetite. How does admitted vs. non-admitted placement work for this program?M.J. Hall is an Excess & Surplus lines broker and will provide E&S placement where admitted paper isn’t available. In some states or for certain accounts, admitted options may be available—placement is determined case-by-case during underwriting. What underwriting information should I include with submissions?Include five years of loss runs, a breakdown of sales (alcohol vs. food), occupancy details (capacity, live entertainment, dance floors), security measures, and any special exposures such as valet or outdoor patios. This information speeds quoting and improves chances of placement. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers a specialized Exercise Studio Insurance program designed for a wide range of health and fitness businesses. This program provides comprehensive Property and Liability coverage on a mono-line or package basis, making it flexible and easy to tailor to your clients’ needs. Ideal risks include exercise equipment clubs, aerobic studios, weightlifting gyms, personal trainers, massage parlors, dance studios, and physical therapists. Childcare services offered on premises for club members are also covered. Coverage Highlights and Advantages Commercial General Liability Coverage: Primary Limits available up to $3,000,000 per occurrence / aggregate Liquor Liability (where applicable) Hired and Non-Owned Auto coverage Excess or Umbrella Limits up to $25,000,000 Included Endorsements and Features: Medical Payments Coverage – $5,000 Limit Blanket Additional Insured Endorsement Club Members included as Additional Insureds Errors and Omissions Coverage – up to policy limits Sexual and Physical Abuse Coverage – $25,000 per claim / $50,000 aggregate (optional higher limits available) No deductible required Loss Prevention Brochure provided Property Coverage Options: Building and Contents Business Income and Extra Expense Computer Equipment Equipment Breakdown and Food Spoilage Inland Marine and Valuable Papers Outside Signs Accounts Receivable Basic, Broad, or Special Form Replacement Cost or Actual Cash Value (ACV) options Crime Coverage: Theft of Money and Securities – Inside the Premises Robbery or Safe Burglary of Other Property – Inside the Premises Theft and Robbery – Outside the Premises Ideal Accounts and Appetite This program is an excellent fit for small to mid-sized fitness-related businesses that require both liability and property protection. You can confidently place accounts such as: A suburban dance studio with part-time instructors and a modest inventory of sound equipment A boutique personal training gym offering massage services and member childcare A yoga or Pilates studio looking for Errors and Omissions and Abuse & Molestation coverage Businesses offering high-risk activities like rock climbing or martial arts may fall outside of appetite—check with underwriting for clarification. Underwriting Notes Colonial General works with a range of carriers (markets vary) and can access both admitted and non-admitted options depending on the account and state. No deductible is required for standard policies, and abuse coverage can be increased upon request. Minimum premiums may vary—contact underwriting for specifics on your client’s risk profile. Territories and Availability This Exercise Studio Insurance program is available in the following states: Arizona (AZ) California (CA) Colorado (CO) Idaho (ID) Nevada (NV) New Mexico (NM) Utah (UT) Wyoming (WY) Why Work With Colonial General? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General offers deep experience in niche commercial programs. Their Exercise Studio Insurance program is structured to help agents efficiently place fitness and wellness business with tailored coverage options and competitive limits. From streamlined underwriting to value-added resources like loss prevention materials, Colonial General supports agents in delivering strong solutions for fitness-related risks. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include exercise studios, personal training gyms, dance studios, massage parlors, and physical therapy offices. Facilities that offer member childcare or wellness services are also eligible. Is childcare coverage included in the policy?Yes, coverage is available for childcare provided to club members while on the premises, subject to underwriting approval. Can I get Abuse and Molestation coverage with higher limits?Yes, the standard policy includes $25,000 per claim and $50,000 aggregate, but higher limits are available upon request. In which states is this program available?The program is currently offered in AZ, CA, CO, ID, NV, NM, UT, and WY. What limits are available for General Liability?Primary limits up to $3,000,000 occurrence/aggregate are available, with excess or umbrella coverage up to $25,000,000. Need help placing an account? Connect with a market specialist.