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... to mid-sized restaurants, cafés, diners, bistros, and other food service busi...s sales from alcohol, such as cafés, diners, quick-service, and ethnic restaur...

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.

... restaurants, ethnic restaurants, diners, pizzerias, and luncheonettes Fast-...

RESTAURANTS, BARS & NIGHTCLUBS INSURANCE PROGRAM Ck Specialty Insurance Associates, Inc. gives brokers and agents access to a focused insurance program for restaurants, bars, and nightclubs. Whether the account is a family-owned diner, a fine dining restaurant, a late-night entertainment venue, or a venue serving younger patrons, this program is built to address the hospitality and nightlife exposures that are often hard to place in the standard market. LINES OF COVERAGE: PROPERTY GENERAL LIABILITY LIQUOR LIABILITY HIRED & NON-OWNED AUTO LIABILITY UMBRELLA / EXCESS LIABILITY This program is designed for flexibility: it accommodates high liquor sales, live entertainment, and under-21 venues. With access to both domestic and London markets plus in-house binding authority, Ck Specialty helps you move quickly and competitively when placing challenging accounts. IDEAL ACCOUNTS & APETITE: - Family-owned restaurants (with or without table service) - Franchise restaurant chains - Fine dining establishments - Bars and taverns - Nightclubs offering: - Dance floors - DJs and live music - Karaoke or stage performances - Adult entertainment This program is a solid option when you have clients with high liquor receipts, regular live entertainment, or venues that are difficult to place in admitted markets. PROGRAM HIGHLIGHTS: - Minimum premium starting at $750 - Assault & Battery coverage available up to $1M (subject to underwriting) - Will consider accounts with up to 100% liquor receipts - Markets that will consider under-21 clubs - Access to A+ rated carriers and a broad Excess & Surplus Lines panel - Fast quote turnaround with in-house binding and brokerage markets - Domestic and London market placement options UNDERWRITING & TERRITORY NOTES: This is a non-admitted program placed through Excess & Surplus Lines carriers, giving you flexibility for risks that fall outside standard underwriting guidelines. Typical considerations include liquor sales mix, entertainment exposure, security procedures, and prior loss history. Currently available in Idaho, Nevada, and Washington. WHY WORK WITH CK SPECIALTY? Ck Specialty Insurance is a family-owned MGA/wholesaler and surplus lines broker based in the Western U.S. Their underwriting focus is on hard-to-place hospitality risks, and they combine market access (including London) with fast service and in-house binding to help you place difficult accounts efficiently. Example placements you can present: - A late-night club with nightly DJs and high liquor receipts seeking assault & battery limits and umbrella capacity. - A downtown restaurant that hosts weekly live music and needs combined property, GL, liquor liability, and hired/non-owned auto coverage. Ck Specialty Insurance: Opening market doors…for you. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for restaurants, bars, taverns, and nightclubs — including venues with dance floors, DJs, karaoke, stage performances, or adult entertainment. Accounts with high liquor receipts or under-21 patrons are also considered. What coverage limits are available for Assault & Battery?Assault & Battery coverage can be offered with limits up to $1 million, depending on the risk profile and underwriting approval. Are under-21 clubs eligible for coverage?Yes. Under-21 clubs can be eligible, subject to underwriting guidelines and the specifics of the operation. Which states is this program available in?This program is currently available to agents and brokers placing business in Idaho, Nevada, and Washington. Is this an admitted or non-admitted program?This is a non-admitted Excess & Surplus Lines program, which provides flexibility for risks that do not fit standard admitted markets. Need help placing an account? Connect with a market specialist.

Comprehensive insurance solutions for hotels, motels, bed & breakfasts, and inns Continental Risk / Continental Marine Insurance Services offers a hospitality-focused insurance program designed for agents who need flexible placement options and broad market access. Whether your client runs a franchised hotel, a roadside motel, a small bed & breakfast, or a boutique inn, this program provides core property, liability, and ancillary coverages to address common hospitality exposures. Ideal accounts and appetite This program is built for a wide range of hospitality risks, including: Roadside and limited-service motels Franchised and independent hotels Bed & Breakfast inns and small guesthouses Small boutique hotels and resort-style properties Agents can submit both standard and harder-to-place risks. Properties with on-site restaurants, lounges with alcohol service, pools, or older construction are eligible for consideration—subject to underwriting review. While the program can handle accounts with prior claims or unique locations, higher hazard operations (large resorts with extensive recreational exposures, high-risk nightclubs, or casinos) may require specialty placement outside this program. Coverage highlights and advantages The program combines core protections with optional enhancements so you can tailor a package to each account: General Liability: $1M per occurrence / $2M aggregate Liquor Liability: Up to $1M aggregate for locations that serve alcohol Property Coverage: Up to $5M Total Insured Value (TIV) per location Available enhancements include hired & non-owned auto liability, employee benefits liability, and equipment breakdown coverage. This flexibility helps reduce coverage gaps and simplifies placement by keeping multiple lines under one program where appropriate. Underwriting notes and minimum premiums Underwriters review each submission on its individual merits. Appetite is broad, but acceptable terms depend on location, occupancy type, prior loss history, and building construction. Minimum premiums and specific terms vary by state and risk profile; your Continental Risk underwriter will confirm applicable minimums during submission review. Provide full loss runs and details on amenities (restaurants, pools, guest events) to accelerate accurate underwriting decisions. Territories and availability The program is available in most U.S. states: 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, and WY. Some states offer admitted products while others are placed non-admitted through Continental Risk’s excess & surplus lines carrier network. Why work with Continental Risk / Continental Marine Insurance Services? As an experienced excess & surplus lines broker, Continental Risk delivers market access for routine and difficult hospitality placements. The firm combines underwriting relationships across admitted and non-admitted carriers with hands-on support for agents who need timely quotes and creative solutions. Practical advantages for agents include: experienced E&S broking, willingness to consider prior losses and unique locations, consolidation of multiple lines under one program, and nationwide availability across admitted and non-admitted markets. Example scenarios that fit this program You have a 60-room franchised motel in a highway corridor with an on-site diner and occasional liquor service—the program can provide GL, liquor liability, and building coverage with flexible placement options. A couple operates a historic B&B in a small town with eight guest rooms and a small breakfast kitchen; the program can address property values up to the per-location TIV limit and offer liability coverage tailored to guest exposures. Getting submissions started To submit a risk, provide completed applications, current loss runs, occupancy details, and building information. Continental Risk underwriters will work with you to identify admitted or E&S placement and to clarify minimum premium requirements for each state. To learn more or submit a risk, visit our company profile or contact us directly at 866-699-2747. Frequently Asked Questions What types of accounts are a good fit for this program?Franchised and independent hotels, roadside motels, bed & breakfasts, and small inns are ideal. The program also considers properties with amenities like pools or on-site dining. Are risks with prior claims eligible?Yes. Accounts with prior losses are considered on a case-by-case basis; full loss runs and details help underwriters evaluate eligibility and terms. Is liquor liability coverage available?Yes. Liquor liability is available, with limits up to $1M aggregate for locations that serve alcohol. What is the maximum property value you can cover?Property coverage is available up to $5M Total Insured Value (TIV) per location, subject to underwriting approval. In which states is the program available?The program is available in most U.S. states, with admitted options in some states and non-admitted placement through our E&S carrier network where necessary. Need help placing an account? Connect with a market specialist.