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Restaurant Insurance Solutions from A.I.I. Insurance Brokerage of MA A.I.I. Insurance Brokerage of MA offers a flexible, non-admitted Restaurant Insurance program built for independent agents and brokers who need access to Excess & Surplus (E&S) markets. With direct placement ability across multiple E&S carriers, A.I.I. helps you secure tailored coverage for a broad range of foodservice risks in Connecticut, New Hampshire, and Rhode Island. Overview This program is designed to handle both routine and hard-to-place restaurant accounts. Because it’s placed non-admitted through various E&S markets, you can expect flexible underwriting, creative terms, and coverage options not always available on admitted paper. A.I.I.’s regional focus means faster responsiveness and underwriting familiarity with local exposures. Ideal Restaurant Accounts and Appetite The program targets a wide variety of food and beverage operations, including: Casual and fine dining restaurants Family-style and buffet operations Ethnic and specialty cuisine restaurants Gastropubs, bistros, and brewpubs Restaurants with liquor sales or full bars Typical accounts that fit well: a high-volume Italian restaurant with a liquor license and late-night service, or a small family-owned diner with moderate kitchen equipment and limited liquor exposure. Accounts with significant cooking exposure, heavy liquor sales, or unusual operations should be submitted for underwriting review — the E&S platform is intended to accommodate risks that need tailored terms. Coverage Highlights and Advantages The program bundles core protections and optional extensions that restaurants need to manage day-to-day exposures: BOP (Business Owners Policy): Combined property and liability for small to mid-sized restaurants Business Income: Reimbursement for lost income due to covered physical damage or equipment failure CGL (Commercial General Liability): Third-party bodily injury and property damage protection Equipment Breakdown: Coverage for critical kitchen and refrigeration equipment repair or replacement Liquor Liability: Available for on-premises alcohol service, subject to underwriting Real & Business Personal Property: Protection for buildings, furnishings, inventory, and fixtures Spoilage: Coverage for food spoilage from power outages or equipment failure Umbrella: Excess liability for larger limit needs Using multiple E&S markets, A.I.I. can often assemble broader or more flexible protection than single-market admitted options — particularly for higher-liability or unusual risks. Underwriting Notes and Minimum Premiums This program is non-admitted and placed with various E&S carriers, which allows underwriters to tailor coverage to the account. Minimum premiums and final terms depend on the type and size of the restaurant, cooking methods, liquor exposure, location, and prior loss history. Submissions that include a completed application and current loss runs help expedite quoting and placement. Territories and Availability The Restaurant Insurance program is available to agents placing business in Connecticut, New Hampshire, and Rhode Island. A.I.I. focuses on regional placement and is set up to serve agents who need niche E&S solutions for tough-to-place or unique restaurant accounts. Why Work With A.I.I. Insurance Brokerage of MA? A.I.I. is a specialized Excess & Surplus Lines broker with deep market access and a reputation for responsive service. Agents benefit from: Direct access to multiple E&S carriers for competitive, flexible options Underwriting guidance focused on foodservice exposures (liquor, cooking, spoilage, equipment) Support for seasonal operations, new ventures, and accounts with liquor or higher limits Efficient submission handling when complete materials are provided If you have a client with an unusual exposure or a higher-liability profile that admitted markets won’t accommodate, A.I.I. can help you find a workable E&S solution. Frequently Asked Questions What types of restaurant businesses are eligible for this program? The program targets a broad range of dining establishments: full-service restaurants, ethnic cuisine spots, bistros, gastropubs, and cafes that serve alcohol. Both new ventures and established operations are considered, subject to underwriting review. Is this program admitted or non-admitted? This is a non-admitted program placed through various Excess & Surplus Lines carriers. That non-admitted placement provides flexibility for unique or higher-risk restaurant accounts. What states is this restaurant insurance program available in? The program is available to agents writing business in Connecticut, New Hampshire, and Rhode Island. Does the program include liquor liability coverage? Yes. Liquor liability is available for establishments that serve or sell alcoholic beverages, subject to underwriting review and the account’s risk profile. What information is needed to submit a restaurant account? Provide a completed application, current loss runs, and operation details such as cooking methods, liquor sales, seating capacity, and any prior losses. Complete submissions help speed the quoting process. Need help placing an account? Connect with a market specialist.

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.

Restaurants Insurance Overview of the Program From Abram Interstate Insurance Services, Inc. Abram Interstate Insurance Services, Inc. offers a flexible and competitive Restaurants Insurance program designed specifically for independent agents and brokers looking to place food service accounts. Whether your clients are running a small café, casual dining restaurant, or a fast-paced takeout kitchen, this program helps protect them from common industry risks and exposures. As a Managing General Agency with access to multiple carriers, Abram Interstate provides solutions for hard-to-place or unique restaurant operations across Arizona, California, and Nevada. Ideal Accounts and Appetite This program is ideal for a wide range of dining establishments, including: Quick-service restaurants (QSRs) Family-style or casual dining establishments Takeout and delivery-focused operations Food trucks and mobile vendors (in some cases) You might have a client who operates a late-night pizza shop with delivery drivers or a modern diner with a liquor license—both could be considered under this program. Businesses with unique risk profiles or prior claims history may also be eligible, depending on underwriting. Coverage Highlights and Advantages Abram Interstate’s Restaurants Insurance program covers a variety of critical exposures facing food service businesses. Key coverage highlights include: Assault & Battery: Protection against liability claims arising from altercations on the premises. Equipment Coverage: Coverage for kitchen equipment, refrigeration units, and other essential machinery. Additional coverages may be available based on the specific needs of the insured and underwriting approval. Underwriting Notes and Minimum Premiums This is a non-admitted program, giving it the flexibility to accommodate a broader range of risks that standard markets may decline. Minimum premiums vary depending on the size, type, and operations of the restaurant. Abram Interstate works closely with agents to evaluate submissions and find a market fit that aligns with the insured’s exposure and budget. Territories and Availability This Restaurants Insurance program is currently available in Arizona, California, and Nevada. Agents operating in these states can access this solution to help meet the evolving insurance needs of their restaurant clients. Why Work With Abram Interstate? Abram Interstate Insurance Services, Inc. is a trusted MGA with deep experience in niche commercial programs. By partnering with a variety of carriers, they offer flexible and competitive options for agents serving the food service industry. Their underwriting team is responsive and knowledgeable, helping agents place business efficiently—even when the risk doesn’t fit the standard market mold. Frequently Asked Questions What types of restaurant businesses are eligible for this program?The program is suitable for quick-service restaurants, casual dining spots, takeout and delivery businesses, and some specialty food operations, depending on underwriting. Is this an admitted insurance program?No, this is a non-admitted program, which allows for greater flexibility in underwriting and risk acceptance. What coverages are included in the program?Core coverages include Assault & Battery and Equipment coverage. Additional options may be available based on the risk profile. In which states is the program available?This Restaurants Insurance program is available in Arizona, California, and Nevada. What is the minimum premium for this program?Minimum premiums vary depending on the size and operations of the restaurant. Contact Abram Interstate for underwriting guidelines and rate indications. Need help placing an account? Connect with a market specialist.