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In today’s competitive and evolving marketplace, your clients in the dietary supplement industry need more than just basic insurance—they need specialized solutions that understand their products, risks, and regulatory challenges. Citadel Insurance Services offers a tailored insurance program for dietary supplement businesses under the NutraPAC platform, designed to help agents and brokers confidently place complex accounts in this niche sector. Overview of the Program From Citadel Insurance Services The NutraPAC Dietary Supplement Insurance Business program is crafted for companies that manufacture, distribute, or sell dietary and herbal supplements, natural products, and related health and wellness items. With years of experience in this space, Citadel’s dedicated team provides deep product knowledge, flexible underwriting, and access to global insurance markets to deliver comprehensive protection for your clients. Ideal Accounts and Appetite This program is ideal for: Dietary supplement manufacturers and distributors Herbal and botanical product companies Vitamins, minerals, and nutraceutical producers Sport and energy drink brands Protein and meal replacement product makers Health and beauty supplement providers Animal supplement manufacturers and distributors Ingredient suppliers and contract manufacturers Bedroom performance product companies You might have a client who manufactures a line of herbal supplements sold in retail and online channels, or a sports nutrition startup launching a new protein drink. These types of accounts are a strong fit for the NutraPAC program. Coverage Highlights and Advantages NutraPAC offers a robust list of coverage enhancements designed to address the unique exposures of the supplement industry: Claims-made coverage (not claims-made and reported) Voluntary product withdrawal coverage Defense costs outside policy limits Proposition 65 defense Multimedia and advertising liability Blanket vendors coverage and waiver of subrogation Coverage for clinical trials and worldwide sales Network security and consumer privacy liability Pollution liability and formulators/consultants inclusion Occurrence-based Premises/Operations coverage Additional options include deductible aggregates, dual deductibles, vertically assigned limits, and Manufacturer’s E&O, giving you the flexibility to tailor coverage to your client’s operational model. Underwriting Notes and Minimum Premiums Citadel evaluates each submission based on the insured’s operations, distribution channels, claims history, and product profile. While minimum premiums vary depending on the risk, the program is structured to offer competitive pricing for well-managed accounts with clean loss histories. Territories and Availability This program is offered on a non-admitted basis and is available in 50 states and Washington, DC. Whether your client operates locally or distributes nationally or internationally, the NutraPAC platform provides the flexibility to support complex and growing supplement businesses. Why Work With Citadel Insurance Services As a wholesale broker with deep expertise in the nutraceutical and supplement industries, Citadel Insurance Services brings more than just access to markets. You gain a partner with the tools, insights, and underwriting support to help you win and retain accounts in this competitive space. From customizable forms to responsive service and global reach, Citadel delivers the resources you need to be more productive and profitable. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include manufacturers, distributors, and sellers of dietary supplements, vitamins, herbal products, sports drinks, and related health and beauty items. Is this program available in all states?Yes, the program is available in all 50 states and Washington, DC, on a non-admitted basis. Does the program include coverage for product recalls?Yes, voluntary product withdrawal coverage is available as an enhancement under the NutraPAC program. Can the program cover contract manufacturers and ingredient suppliers?Yes, coverage is available for contract manufacturers, ingredient suppliers, and formulators/consultants involved in the supplement industry. What sets Citadel apart in this niche?Citadel brings specialized underwriting knowledge, broad market access, and flexible coverage options tailored to the supplement and nutraceutical sector. Need help placing an account? Connect with a market specialist.

Liquor Liability Coverage from Bailey Special Risks Bailey Special Risks, Inc. offers a Liquor Liability program built for agents and brokers who need flexible, practical placement options for hospitality and alcohol-related accounts. Written on a non-admitted basis through United States Liability Insurance Group, the program combines experienced underwriting with competitive limits and fast turnaround to help you place bars, restaurants, package stores and distributors that need third-party liability protection tied to alcohol sales or service. Ideal Accounts and Appetite This program fits a wide range of liquor exposures, including: Bars and taverns Nightclubs (standard operations; after-hours establishments with special licenses are excluded) Restaurants that serve alcohol Liquor stores and retail package shops Wholesalers and beverage distributors Bailey Special Risks will review most liquor-related operations. Typical declines include locations that allow employees to consume alcohol while on duty or businesses that operate under special after-hours permits. If your client runs a neighborhood bar, a full-service restaurant with alcohol sales, or a retail package store, this program is likely a strong candidate for placement. Coverage Highlights and Advantages Limits available up to $1,000,000 each common cause / aggregate Coverage tailored for both retail and wholesale alcohol operations Access to an experienced market—United States Liability Insurance Group—on a non-admitted paper Responsive underwriting and efficient turnaround to help close submissions faster Examples of accounts that typically place well: a 120-seat neighborhood bar with a clean loss history and trained staff, or a regional liquor distributor with documented delivery controls and employee screening. In both cases, underwriting focuses on service practices, hours of operation, controls for over-service, and prior loss experience. Underwriting Notes Submissions are evaluated on a case-by-case basis. Underwriters consider operations, hours of service, loss history, management practices, and risk controls such as staff training, ID checks, security and incident reporting. There is no published minimum premium; pricing is driven by class, exposures, limits requested, and individual account characteristics. Prohibited exposures include on-duty employee consumption and after-hours operations under special licenses. Territories and Availability This Liquor Liability program is available in AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD, MA, MS, MO, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WV, and WY. If your client is located in one of these states, Bailey Special Risks can assist with placement and policy options. Why Work with Bailey Special Risks? As a wholesale broker with focused experience in specialty and high-exposure classes, Bailey Special Risks provides strong market access and practical underwriting for liquor-related accounts. Their partnership with United States Liability Insurance Group delivers capacity and stability on a non-admitted basis, while the firm’s agent-focused service model emphasizes quick response, clear guidelines, and hands-on support for complex submissions. Use this program when you need an experienced partner to place liquor liability risks that fall outside standard admitted markets. Frequently Asked Questions What types of accounts are a good fit for this Liquor Liability program?This program is ideal for bars, taverns, restaurants that serve alcohol, liquor stores, and both retail and wholesale alcohol distributors. Are there any types of risks that won't be considered?Yes. Risks that allow employees to drink on the job or operate as after-hours establishments with special licenses are not eligible. Is the coverage admitted or non-admitted?This Liquor Liability program is written on a non-admitted basis through United States Liability Insurance Group. What are the coverage limits available?Limits are available up to $1 million each common cause/aggregate. In which states is the program available?The program is available in AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD, MA, MS, MO, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WV, and WY. Need help placing an account? Connect with a market specialist.

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Target Classes: Pharmaceuticals & Biotech Products Medical Devices / Products Biologics (Animal & Human) Nutraceuticals Human Clinical Trials Overview of the Life Sciences Program from BSR Insurance BSR Insurance provides a focused Life Sciences Insurance program for agents placing product, professional and clinical-trial exposures for companies operating in the pharmaceutical, biotech, medical device and nutraceutical sectors. As an Excess & Surplus (E&S) lines broker, BSR leverages relationships with multiple non-admitted carriers to structure flexible terms for hard-to-place, highly regulated and emerging risks. Ideal Accounts and Appetite This program fits a broad range of life sciences businesses, including early-stage R&D firms through mid-sized manufacturers and distributors. Typical eligible accounts include: Pharmaceutical and biotech R&D and manufacturing Medical device development, manufacturing and distribution Human and animal biologics Nutraceutical manufacturers and distributors Human clinical trials based in the U.S. (domestic only) Restricted or ineligible risks include products containing Ephedra and any foreign clinical trial activity. If you have a client launching a novel medical device or preparing for first-in-human studies, BSR can help place those higher-exposure accounts through creative E&S solutions. Coverage Highlights and Advantages Products Liability, General Liability and Professional Liability (typically Claims-Made) Occurrence-form coverage available for limited classes Limits up to $5 million (available on a primary or excess basis) Flexible deductible and Self-Insured Retention (SIR) structures Unsupported excess capacity available Vendor’s coverage can be included Prior Acts (retroactive) coverage offered where appropriate These features help protect insureds against third-party claims arising from product defects, design or manufacturing errors, and professional errors during clinical development. Underwriting Notes and Minimum Premiums Underwriting focuses on product risk profile, clinical trial phase and controls, manufacturing practices, and distribution channels. Minimum premium for placements typically starts at $4,500, with many accounts averaging near $20,000 depending on exposures, limits and attachment points. Common deductible levels are $2,500–$5,000, while minimum SIRs generally start at $25,000. Territories and Availability BSR writes this Life Sciences program on a non-admitted basis across most U.S. states, including: 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. Why Work With BSR Insurance? BSR combines life sciences industry knowledge with broad access to E&S markets, making it a practical partner for agents placing complex or non-standard accounts. Their underwriting team is experienced in evaluating emerging technologies and tailoring terms—whether a client needs primary limits, excess capacity, prior acts protection, or customized SIR structures. Example scenarios that fit well: You represent a biotech start-up advancing to Phase I human trials that needs professional liability and product liability with prior acts coverage for prior research. You have a mid-market medical device manufacturer seeking primary limits and an unsupported excess layer to cover new distribution channels. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include pharmaceutical and biotech companies, medical device manufacturers, nutraceutical firms, and organizations conducting U.S.-based human clinical trials. Is coverage available for foreign clinical trials?No. This program excludes foreign clinical trials; only clinical trial exposures within the United States are eligible. What liability limits are available?Limits up to $5 million are available on a primary or excess basis. Unsupported excess options may also be offered depending on the placement. What are common deductible and SIR options?Deductibles commonly range from $2,500 to $5,000. Minimum SIRs typically start at $25,000, subject to risk characteristics. Is this program admitted or non-admitted?This program is placed on a non-admitted basis through various E&S carriers across most U.S. states. Need help placing an account? Connect with a market specialist.

With more than 25 years of industry experience, Axiom Insurance Managers Agency, LLC offers a dedicated Fine Dining Restaurant Insurance program built for upscale dining operations. Whether your client runs a white-tablecloth steakhouse, a high-end bistro with an extensive wine list, or a destination restaurant with valet and limited live music, Axiom provides tailored coverage and flexible underwriting to match those specialty exposures. Ideal Accounts and Appetite This program targets fine dining establishments that maintain elevated food and service standards and operate in a controlled environment. Typical classes we consider include: Fine dining restaurants White-tablecloth establishments Steakhouses Axiom will consider locations serving up to 65% liquor by revenue when a curated wine list and responsible alcohol controls are in place. Limited live entertainment such as acoustic acts, jazz trios, or similar performances is allowed up to twice per week with appropriate controls. Example fits: you might have a high-end steakhouse with valet parking and occasional acoustic music or a boutique bistro with a prominent sommelier program. With documented controls and standard risk management practices, these accounts are typically well-aligned with Axiom’s appetite. Coverage Highlights and Advantages Axiom’s program combines broad liability limits with hospitality-specific options to address common exposures in fine dining operations. General Liability $1,000,000 Each Occurrence $2,000,000 General Aggregate (excluding Products/Completed Operations) $2,000,000 Products/Completed Operations $2,000,000 Personal & Advertising Injury $500,000 Damage to Premises Rented to You Liquor Liability (Package or Mono-Line) $1,000,000 Each Common Cause $2,000,000 Aggregate (per-location aggregate applies) Optional Coverages Assault & Battery Defense Outside the Limit of Liability Combined Single Limit $1,000,000 Hired & Non-Owned Auto Liability Valet Parking coverage $5,000 Medical Payments (fine dining only) Umbrella/Excess up to $10 million Additional Insureds Employment Practices Liability Property and Business Income (subject to coastal wind exclusions) Food & Beverage Spoilage Equipment Breakdown Underwriting Notes and Minimum Premiums To expedite placement, submissions should include: Signed ACORD applications Three years of currently valued loss runs A completed supplemental application (Axiom’s or another carrier’s) Target pricing or expiring premium Minimum premiums vary by account characteristics and location. Contact Axiom for indicative pricing based on the client’s operations, revenues, and exposures. Territories and Availability The program is offered on a non-admitted basis and is available in the following states: 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. Some state or regional restrictions apply: New York – certain Bronx zip codes are restricted Connecticut – certain New Haven zip codes are restricted Minnesota – certain counties are limited to $100,000/$300,000 liquor liability Why Work With Axiom Insurance Managers Agency, LLC Axiom is a program administrator with deep hospitality underwriting experience and access to multiple markets that understand fine dining risks. Agents benefit from responsive service, flexible terms, and an underwriter who recognizes the operational nuances of upscale restaurants. Use Axiom to place accounts that require specialty appetite, tailored liquor and liability solutions, and optional coverages such as valet and food spoilage. Frequently Asked Questions What types of accounts are a good fit for this program?Upscale restaurants, white-tablecloth establishments, and steakhouses with controlled operations and up to 65% liquor revenue are ideal candidates. Is this program available in all states?The program is available in most states on a non-admitted basis, but some zip codes and counties have restrictions. Contact Axiom to confirm eligibility for a specific location. Can I submit risks with live entertainment?Yes. Live entertainment is acceptable when limited to acoustic acts, trios, or jazz combos no more than twice per week and when appropriate controls are in place. What are the submission requirements?Provide signed ACORDs, three years of currently valued loss runs, a completed supplemental application, and target pricing or expiring premium to start underwriting review. Is liquor liability offered as standalone coverage?Yes. Liquor liability can be written as a mono-line policy or included as part of a packaged solution. Need help placing an account? Connect with a market specialist.

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Policy Highlights: Colonial General Insurance Agency, Inc. offers a specialized Beverage Manufacturing Insurance program designed for agents and brokers seeking tailored coverage solutions for beverage manufacturers and processors. Whether your client is producing non-alcoholic beverages, craft sodas, or alcoholic drinks such as beer or spirits, this program provides flexible and comprehensive protection for a wide range of exposures in the beverage industry. Ideal Accounts and Appetite This program is ideal for small to mid-sized beverage manufacturers and processors operating in the western U.S. We consider accounts involved in: Non-alcoholic beverage bottling (juices, soft drinks, flavored water, etc.) Craft breweries or distilleries (subject to eligibility) Private label beverage production Specialty or organic beverage processing We work with agents to evaluate specific classes and can help place both standard and more complex risks through our access to admitted and non-admitted markets. Coverage Highlights and Advantages Coverages are available on a monoline or package basis and can be customized to fit the insured’s operational needs. Key features include: Commercial General Liability Primary limits up to $3,000,000 Occurrence / Aggregate Hired and Non-Owned Auto Liability Liquor Liability (for applicable beverage producers) $5,000 Medical Payments – included Vendors as Additional Insureds Limited Product Withdrawal Expense – $5,000 limit included Excess or Umbrella Limits up to $25,000,000 Crime Coverage Inside the Premises – Theft of Money and Securities Robbery or Safe Burglary of Property Inside the Premises Outside the Premises Coverage Property Coverage Building and Business Personal Property Business Income and Extra Expense Computer Equipment and Valuable Papers Accounts Receivable Equipment Breakdown Food Spoilage – $5,000 limit included (higher limits available) Replacement Cost or Actual Cash Value Outside Signs Basic, Broad, or Special Form options Underwriting Notes and Minimum Premiums Colonial General’s underwriting team evaluates each submission on a case-by-case basis. While no specific minimum premium is listed, competitive pricing is available depending on risk characteristics, coverage needs, and market availability. Liquor liability, product withdrawal expense, and spoilage coverage offer built-in value for beverage production accounts. Territories and Availability This Beverage Manufacturing 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) We offer access to both admitted and non-admitted markets depending on the risk and jurisdiction. Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings deep expertise in niche middle-market commercial lines. We are committed to helping independent agents find the right fit for their beverage manufacturing clients—even those with unique or challenging exposures. With access to a variety of carriers and flexible underwriting, we work closely with agents to deliver timely quotes and comprehensive solutions. Whether your client is launching a new beverage line or expanding production, Colonial General is ready to help you place and service these accounts with confidence. Frequently Asked Questions What types of accounts are a good fit for this program?This program is designed for beverage manufacturers and processors, including soda bottlers, juice companies, and select alcoholic beverage producers such as craft breweries and distilleries. Is Liquor Liability included in the coverage?Yes, Liquor Liability coverage is available for eligible accounts that manufacture or distribute alcoholic beverages. Can I submit a monoline General Liability or Property policy?Yes, both monoline and package policies are available depending on the insured’s needs and underwriting criteria. What states is this program available in?Coverage is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Are additional insured endorsements available for vendors?Yes, vendors can be added as additional insureds under the General Liability coverage. Need help placing an account? Connect with a market specialist.

Premier Program for Welding Supply and Gas Distributors WDPG Insurance Program offers a comprehensive and specialized insurance solution tailored for welding supply and gas distribution businesses. As a Managing General Underwriter with deep expertise in this niche market, WDPG delivers a trusted, long-term partnership for agents and brokers looking to place business for clients in this complex and high-risk industry. Ideal Accounts and Appetite This program is designed specifically for businesses that distribute welding supplies, industrial gases, and related equipment. Whether your client handles compressed gases, welding tools, safety gear, or operates delivery fleets, this market is built to address their unique exposures. Ideal accounts include: Welding supply distributors Industrial and specialty gas distributors Retailers and wholesalers of welding and gas equipment Operations with cylinder filling, storage, or transportation If you have a client transporting flammable gases or managing bulk storage tanks, this program is built to provide the coverage and risk management they need. Coverage Highlights and Advantages WDPG’s Welding Supply and Gas Distributors Insurance Program includes a broad range of tailored coverages to meet the unique operational risks of this sector: Competitive pricing through the WDPG® group purchasing model Direct bill plan for easier administration Customized, comprehensive coverage options Escaped Gas Protection Endorsement, including hostile fire Failure to Supply and Mis-delivery of Liquid Products coverage Broad Form Pollution coverage New Limited Welding Fume Coverage (available in select states) Unique AD&D benefit available in most states MCS-90 endorsement available FREE online training — access to over 76 training courses These features help protect your clients against a wide range of liabilities, from environmental exposures to logistics challenges. Underwriting Notes and Minimum Premiums There is no minimum premium requirement for this program, making it accessible for accounts of all sizes. Underwriting is handled directly by WDPG's experienced team, with attention to the nuances of the welding and gas industry. Submissions are evaluated for risk factors such as transportation hazards, gas types, and facility safety protocols. Territories and Availability This program is available in most states across the U.S., including but not limited to CA, TX, NY, FL, IL, and PA. It is written on an admitted basis in many jurisdictions, providing added confidence and compliance support. Please confirm specific state availability with WDPG for your client's location. Why Work With WDPG Insurance Program WDPG has built its reputation on deep industry knowledge, long-term market stability, and a commitment to service. Agents and brokers benefit from: Access to a niche program crafted exclusively for this industry Strong carrier backing through Chartis Responsive underwriting and program management Value-added services like training to reduce risk and claims You can rely on WDPG to help you deliver tailored, competitive solutions to your welding and gas distribution clients, whether they’re a regional supplier or a multi-state operation. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for welding supply distributors, industrial gas companies, and businesses involved in the storage, delivery, or retail of welding and gas-related products. Is there a minimum premium to access this program?No, there is no minimum premium, making the program accessible for smaller or growing businesses. What are some unique coverages included in this program?The program offers several specialized coverages such as Escaped Gas Protection, Welding Fume Coverage (in select states), Failure to Supply, and Mis-delivery of Liquid Products coverage. Which states is this program available in?The program is available in most U.S. states, including CA, TX, FL, NY, PA, and many more. Contact WDPG for specifics on your state. Who underwrites this program?The program is underwritten by WDPG Insurance Program with carrier support from Chartis. Need help placing an account? Connect with a market specialist.

Dietary Supplement / Nutraceutical Liability Insurance from Citadel Insurance Services Citadel Insurance Services offers specialized liability coverage designed for manufacturers, importers, distributors, and formulators in the dietary supplement, nutraceutical, and cosmetic industries. Our NutriPRO program provides broad, flexible protection tailored to the unique risks in this evolving market segment. Target Markets and Ideal Accounts This program is an excellent fit for: Manufacturers, importers, and distributors of dietary supplements, herbal products, and nutraceuticals Cosmetics manufacturers and distributors Contract manufacturers and private label formulators If you have clients launching a new line of protein powders, distributing herbal remedies, or producing custom skincare products, this program may be a strong placement option. Program Benefits and Coverage Highlights NutriPRO offers robust coverage through a top-rated carrier (A+ XV) with competitive terms and flexible options, including: General Liability and Products/Completed Operations ISO Occurrence-based GL with Claims-Made Products Liability (not Claims-Made and Reported) Zero deductible options for both Premises/Operations and Products Liability Superior policy language including clear definitions of “Bodily Injury” and “Damages” No Mold or Silicosis exclusion on product-related claims Minimum premiums starting at $2,200 Key endorsements included: Additional Insured – Vendors, Waiver of Subrogation, Primary and Non-Contributory wording Additional benefits such as Identity Theft coverage, Medical Payments, Damage to Rented Premises, Punitive Damages (where allowed), and TRIA (Terrorism Risk Insurance Act) coverage Rapid quoting and flexible financing options Optional Enhancements Customize your client’s protection with optional coverages such as: Hired and Non-Owned Auto Liability Voluntary Product Withdrawal Employee Benefits Liability Stop Gap Liability Property in Your Care, Custody & Control Non-Auditable Policy Underwriting and Minimum Premiums Minimum premiums begin at $2,200, with aggressive rating factors that help keep your client’s costs competitive. Our underwriting team understands the nuances of the supplement and cosmetic industry, enabling faster decisions and tailored solutions. Program Availability This program is available on a non-admitted basis in all 50 states including DC. Whether your client operates regionally or nationally, we can help you place the right coverage. Why Work With Citadel Insurance Services? As a Managing General Agency and E&S Broker, Citadel Insurance Services brings deep industry knowledge and underwriting expertise to niche markets. Our NutriPRO program is backed by a top-tier carrier and built for speed, flexibility, and comprehensive protection. We make it easy for you to quote and bind coverage, so you can focus on growing your book with confidence. Contact us today for more information on our NutriPRO - Dietary Supplement / Nutraceutical Liability Insurance program! Frequently Asked Questions What types of accounts are a good fit for this program?This program works well for manufacturers, importers, and distributors of dietary supplements, herbal products, cosmetics, and nutraceuticals, including contract manufacturers and private labelers. Is this coverage available in all states?Yes, the program is available on a non-admitted basis in all 50 states and Washington, DC. What is the minimum premium for this program?Minimum premiums start at $2,200, with flexible financing options available. Does the policy include coverage for product withdrawals?Yes, voluntary product withdrawal coverage is available as an optional add-on. How quickly can I get a quote?Citadel offers rapid quoting to help you secure coverage for your clients quickly and efficiently. Need help placing an account? Connect with a market specialist.

LIMITS OF INSURANCE GENERAL AGGREGATE LIMIT $2,000,000 PRODUCTS-COMPLETED OPERATIONS AGGREGATE $2,000,000 PERSONAL & ADVERTISING INJURY $1,000,000 EACH OCCURRENCE LIMIT $1,000,000 LIQUOR LIABILITY LIMIT $1,000,000 FIRE DAMAGE LIMIT (ANY ONE FIRE) $100,000 MEDICAL EXPENSE LIMIT EXCLUDED ASSAULT & BATTERY AVAILABLE UP TO $1,000,000 EXCESS LIMITS AVAILABLE UP TO $5,000,000 HIRED/NON OWNED AUTO LIABILITY LIMIT $1,000,000 Overview of the Program From RMS Hospitality Group RMS Hospitality Group specializes in insurance solutions for nightlife and entertainment venues, offering agents and brokers access to tailored programs that address high-risk exposures. Their Dueling Piano Bars program is designed specifically for venues that combine live music, alcohol service, and audience participation — elements that require nuanced underwriting and coverage structures. RMS works with various carriers to deliver broad coverage options in most states on a non-admitted basis, providing flexibility and expertise in this niche. Ideal Accounts and Appetite The Dueling Piano Bars program is ideal for establishments that feature live piano shows with audience interaction, often accompanied by full-service bars and late-night hours. These venues typically include: Standalone dueling piano bars Bars and lounges with live piano entertainment Nightlife venues with high foot traffic and liquor sales You might have a client who owns a downtown piano bar with nightly performances and a full drink menu — a perfect fit for this program. RMS understands the unique claims exposures such venues face, including liquor liability, assault and battery, and property damage. Coverage Highlights and Advantages Key coverages available through this program include: General Liability with $2M aggregate limit Liquor Liability up to $1M Assault & Battery coverage available up to $1M Excess limits up to $5M Fire Damage Limit – $100,000 per fire Hired/Non-Owned Auto Liability Medical expense coverage is excluded, which aligns with the higher-risk nature of these venues. This program is built to handle the specific liability scenarios that come with entertaining, serving alcohol, and operating in high-traffic nightlife environments. Underwriting Notes and Minimum Premiums Minimum premiums vary by account and location. RMS Hospitality Group underwrites each submission carefully, with attention to operational controls such as security measures, incident logs, and liquor service protocols. Accounts with strong risk management practices are preferred. Territories and Availability This program is available in most U.S. states on a non-admitted basis. Coverage is not currently offered in Alaska, Vermont, or West Virginia. RMS works with various markets to ensure coverage availability in the following states: AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, WA, WI, WY, and DC. Why Work With RMS Hospitality Group RMS Hospitality Group is a Managing General Agency (MGA) with deep expertise in the hospitality and nightlife sectors. Their underwriting team is experienced in evaluating entertainment venues and understands the challenges agents face when placing complex risks. By offering access to multiple carriers and customized coverage solutions, RMS helps you deliver value to your clients while streamlining the placement process. Frequently Asked Questions