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Liquor Liability Insurance Insurance Markets Agency, Inc. offers a focused Liquor Liability Insurance program for businesses that manufacture, sell, serve, or distribute alcoholic beverages. Built for agents and brokers placing small- to mid-sized risks, this program delivers flexible underwriting, competitive pricing, and access to non-admitted markets. Coverage is currently available in Pennsylvania (PA) and New Jersey (NJ). Overview As a Managing General Agency, Insurance Markets Agency, Inc. works with multiple carriers to place liquor liability exposures that need non-admitted capacity and more flexible terms. The program is intended for accounts with generally clean loss histories and predictable operations. Minimum premiums vary by class and risk characteristics. Ideal Accounts and Appetite We target common alcohol-exposed classes where liquor liability is a primary exposure: Bars and taverns — on-premises accounts with alcohol sales up to $500,000, preferably with no liquor-related losses or violations in the last five years and limited drink specials or youthful clientele. Restaurants — dine-in and full-service restaurants with alcohol sales up to $1,000,000, clean five-year histories, and moderate drink promotions. Retail stores — liquor and convenience stores or distributors with off-premises sales up to $2.5M; multi-location accounts considered with a receipts breakout; aggregate per-location endorsement included. Nonprofit, fraternal, and social clubs — “Club Select” product for nonprofits with alcohol sales up to $500,000, no recent violations, and limited entertainment (banquet events preferred). Other eligible classes — banquet halls, country clubs, BYOB restaurants, off-premises caterers, bartending services, concessionaires, vineyards, and breweries. Coverage Highlights and Advantages This program emphasizes practical coverages and placement speed for routine liquor liability needs: Non-admitted placement for flexibility on unusual underwriting features. Aggregate per-location endorsement available for multi-site retail exposures. Automatic inclusion of club members as insureds on qualifying policies. Responsive MGA underwriting to get quotes and bind accounts quickly. Underwriting Notes and Minimum Premiums Preferred submissions have no liquor-related claims or regulatory violations in the past five years. Account characteristics that improve placement include professional staff training, clear ID/age-check policies, limited happy hours or drink promotions, and stable operating hours. Minimum premiums vary by class and carrier — confirm current minimums with an Insurance Markets Agency underwriter at submission. Territories and Availability This Liquor Liability program is offered in Pennsylvania (PA) and New Jersey (NJ) only. We are actively seeking appointed agents and brokers with clients in these states. Why Work With Insurance Markets Agency, Inc.? Insurance Markets Agency brings decades of specialty insurance experience and dedicated liquor liability underwriting. Working with us gives you: Access to non-admitted markets when standard markets are limited. Flexible approaches for multi-location retail accounts and club operations. A responsive team experienced in placing local bars, restaurants, and social clubs. Example accounts that often fit You might have a neighborhood pub with $350K in annual alcohol sales, clean loss history, and limited promotions — or a mid-scale bistro with $750K in alcohol receipts and a full-service bar. Both are representative risks this program is designed to place. For more information on our Liquor Liability Insurance or other products from Insurance Markets Agency, Inc., contact our team at 570-586-1471. Frequently Asked Questions What types of accounts are a good fit for this Liquor Liability program? Small- to mid-sized bars, taverns, restaurants, retail liquor stores, and nonprofit clubs with clean loss histories and moderate alcohol sales are primary targets for this program. Are multi-location risks eligible for coverage? Yes. Multi-location retail accounts are considered when you provide a breakdown of alcohol receipts by location; an aggregate per-location endorsement can be included. Is this program written on an admitted or non-admitted basis? This program is written on a non-admitted basis to allow greater underwriting flexibility for unique or higher-limit exposures. What states is this program available in? Coverage is currently available in Pennsylvania (PA) and New Jersey (NJ). Can nonprofit social clubs be covered under this program? Yes. The Club Select product is designed for nonprofit private, fraternal, and social clubs with modest alcohol sales, no recent violations, and limited entertainment. Need help placing an account? Connect with a market specialist.

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.

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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.

Heavy Vehicle and Equipment Sales and Service Insurance Transportation Risk Services (TRS) offers a specialized insurance program for dealerships, repair shops, and service operations that sell, service, store, or transport heavy vehicles and equipment. Backed by an A-rated carrier and available on both admitted and non-admitted paper, this program gives agents and brokers flexible options for placing complex commercial auto and garage exposures. Ideal Accounts and Risk Appetite TRS targets a broad range of heavy vehicle and equipment businesses. This program is a strong fit for dealers and service operations handling: Boom trucks & bucket trucks Buses Construction equipment (loaders, excavators, etc.) Farming and agricultural equipment Forklifts and material handling equipment Logging trucks Truck/tractor and semi-trailer units Pickup and delivery operations that travel beyond 300 miles are acceptable, so long-range transport and regional delivery accounts can be placed under this program. Additional Exposures Considered Farm implements and implements dealers Horse and utility trailers Hitch and towing accessory installation On-site machining and light fabrication Storage and sale of uninstalled parts or supplies Welding operations (subject to underwriting) Coverage Highlights TRS combines a core set of garage and auto coverages with practical optional extensions designed for the heavy equipment marketplace. Available coverages include: Garage Liability – tailored for dealers and service operations with broadened coverage options Garagekeepers Legal Liability – physical damage for customer vehicles in your care, custody, or control Dealers Open Lot Coverage – for inventory on lot or yard Property Coverage – building, contents, equipment and business personal property Optional Coverage Extensions Fire Legal Liability Personal and Advertising Injury (broadened GL) False Pretense Coverage Errors & Omissions for Dealers (limited E&O exposures) Identity Recovery Related Premises & Operations Exposures Automobile parts or supplies sold over the counter without installation Retail items such as camping gear, work clothing, or kitchenware Concessionaires (snack bars, food/drink vendors on site) Mini-mart or grocery operations at dealer/service locations Underwriting Notes TRS underwrites on both admitted and non-admitted paper, with placement decided by the state and the individual risk. There is no published minimum premium; each submission is evaluated on operations, vehicle exposure, loss history, and desired coverages. Accounts involving long-distance transport, on-site machining, or welding are acceptable but will be reviewed against standard underwriting criteria and controls. Territory and Availability This program is regularly available in Illinois, Iowa, Michigan, Minnesota, and Wisconsin. Coverage outside these states may be considered on a brokerage basis depending on the risk and market appetite. Why Work With Transportation Risk Services? Based in Barrington, IL, Transportation Risk Services is an experienced MGA and wholesale broker focused on transportation and heavy auto risks. TRS provides agents with direct access to transportation-savvy underwriters and an A-rated carrier appetite for garage, auto liability, physical damage, cargo, and contractor’s equipment exposures. Practical benefits for agents include flexible admitted and E&S placement options, tailored garage forms for dealers and service shops, and underwriting that understands vehicle transit and heavy equipment handling. You might bring TRS an account such as a regional semi-trailer dealer who sells and delivers units across three states, or a rural agricultural equipment dealership that performs on-site welding and installs hitches — both are examples the program is built to consider. Frequently Asked Questions What types of accounts are a good fit for this program?This program is designed for dealerships and service operations that sell, service, store, or transport heavy vehicles and equipment — examples include boom trucks, construction machinery, buses, and farm equipment dealers. Can this program accommodate long-distance transportation of vehicles?Yes. Pickup and delivery beyond 300 miles are acceptable under the program’s underwriting guidelines, making it suitable for regional transport and delivery operations. Is coverage available on admitted paper?Yes. TRS can place accounts on both admitted and non-admitted paper depending on the state and the specifics of the risk. What additional exposures can be considered?Secondary operations such as hitch installation, limited welding, on-site machining, and the sale of uninstalled parts or supplies can be considered, subject to underwriting review. Which states is this program currently available in?This program is available in IL, IA, MI, MN, and WI. Other states may be considered on a brokerage basis. 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.

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.

At Worldwide Facilities, our dedicated NutraRisk team specializes in the unique exposures of the life sciences and nutraceutical markets. We offer targeted insurance solutions for manufacturers, distributors, researchers and service providers—helping retail brokers place appropriate coverage for clients ranging from early-stage startups to established enterprises. With deep industry knowledge and broad market access, NutraRisk streamlines placement for complex product and clinical risks. Ideal Accounts and Appetite The Nutraceuticals & Life Science Insurance program is intended for businesses involved in product development, manufacturing, research, testing and distribution across the life sciences spectrum. Typical classes we write include: Dietary supplements and vitamin manufacturers Energy drinks, bars and functional beverages Herbal and botanical products Cosmetics and personal care goods Pharmaceutical and biotechnology firms Clinical trial sponsors and contractors Medical centers, research institutions and universities Pet health and animal supplement products Raw material suppliers and ingredient manufacturers Bedroom and wellness product manufacturers Our appetite covers both emerging ventures and mature businesses. You might place a client launching an herbal supplement line, a contract manufacturer supporting multiple brands, or a biotech startup preparing for first-in-human studies. Coverage Highlights and Advantages Worldwide Facilities offers flexible, industry-focused terms to address the product and clinical liability exposures common in life sciences. Key coverage components include: Commercial General Liability — available on claims-made or occurrence forms Products Liability, including Products/Completed Operations Discontinued Products coverage Clinical Trials Liability for sponsors and clinical service providers Product Recall Expense (through semi-exclusive markets) Mergers & Acquisitions liability options Extended Reporting Periods and programs designed for new ventures Additional program features: Primary limits from $1M to $10M Excess capacity up to $100M Blanket broad form vendors coverage where appropriate Miscellaneous E&O and aggregated deductible options Hired & Non-Owned Auto and worldwide coverage territory available Underwriting Notes We place business with a range of admitted and non-admitted carriers depending on the risk profile and jurisdiction. Worldwide Facilities’ underwriters are experienced with complex exposures and can assist with hard-to-place accounts, prior loss experience, and novel product formulations. Minimums and program eligibility vary by class—underwriters will evaluate formulation, manufacturing controls, labeling, quality assurance, distribution channels and claims history when considering terms. Territories and Availability The program is available nationwide — all 50 states and Washington, D.C. — with the carrier flexibility to write in states that have more nuanced regulatory requirements. Why Work With Worldwide Facilities? As a Managing General Agency and Excess & Surplus Lines broker, Worldwide Facilities couples underwriting expertise with market access. Our NutraRisk division focuses exclusively on life sciences and nutraceutical risks, giving retail brokers a dedicated partner for placement, policy servicing and claim navigation. We support new ventures as well as established firms and can help position accounts to secure broader capacity, specialized endorsements, or recall solutions when needed. Learn more and submit applications at nutrarisk.com. Get in touch! Contact us here: nutrarisk.com/contact Frequently Asked Questions What types of accounts are a good fit for this program?This program targets dietary supplement manufacturers, biotech firms, clinical trial sponsors, pet product companies, contract manufacturers, and other life science businesses with product or clinical liability exposure. Can you help with startup or new venture risks?Yes. We offer tailored programs for new ventures entering the life sciences or nutraceutical markets, including guidance on product controls and placement options for first-time manufacturers. Is this program available in all states?Yes. The program is available nationwide, including all 50 states and Washington, D.C., though specific terms may vary by jurisdiction and carrier. What coverage limits are available?Primary limits generally range from $1 million to $10 million, with excess capacity available up to $100 million, depending on the account and carrier appetite. Do you offer product recall coverage?Yes. Product recall expense coverage is available through semi-exclusive markets as part of the program—availability depends on the product class and underwriting review. 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