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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.

Overview J.M. Wilson Corp. offers a Commercial Umbrella Insurance program designed to expand liability limits and provide broader excess coverage for a wide range of small-to-medium commercial classes. As a Managing General Agency and Excess & Surplus (E&S) broker, we place excess and umbrella limits with both admitted and non-admitted markets to give agents flexible placement options for their clients. Target Classes and Ideal Accounts Below is a sampling of classes we routinely place on this program. These accounts typically fit when the underlying liability program is standard and loss history is acceptable: Apartment buildings Bakeries Beauty shop supplies distributors Beverage stores Cable TV companies Car washes Caterers Clubs Computer and electronics stores Department / discount stores Food and drink distributors Drywall installation Florists & gift shops Golf courses / driving ranges Hardware stores Hotels & motels Janitorial services Laundries & dry cleaners Lawn care services / contractors Masonry Meat, fish, poultry, seafood stores Nail salons Paving — sidewalks / parking / drives Paint / wall covering stores Photographers Pet stores Plumbing contractors Restaurants Video stores and theatres Coverage Highlights and Advantages Limits available up to $20,000,000 to meet higher-limit requirements for premises, products, auto and other liability exposures. Placement options include both admitted and non-admitted markets depending on state and class, allowing more flexibility where admitted forms aren’t required. Excess/umbrella placements with adjustable attachment points and the ability to consider deletion of a Self-Insured Retention (SIR) where markets permit. Competitive minimum premium structure for smaller accounts: $1,250 minimum premium for the initial $1,000,000 of limit $1,000 minimum premium per additional $1,000,000 of limit Typical minimum attachment points often $1,000,000 primary / $2,000,000 excess for lower-hazard classes (subject to underwriting) Underwriting Appetite and Restrictions Underwriters prefer accounts with class-appropriate operations, stable or improving loss histories, and standard underlying limits and endorsements. The program favors low- to medium-hazard retail, service, hospitality, and light contracting risks listed above. Generally not a fit: accounts with severe or repeated liability losses, significant professional or pollution exposures, or operations that require specialized excess capacity (heavy industry, high-hazard manufacturing) unless underwriting reviews and approves placement options first. Sample Accounts (Agent View) Small regional motel seeking $5M excess over a $1M primary — the umbrella can provide a clean excess layer with broader limits for premises liability and guest exposures. Landscaping contractor with conservative loss history that needs higher aggregate limits for general and auto liability — the program can offer $1M+ excess limits and alternative attachment structures. Territories and Availability This program is available in: GA, IL, IN, KS, KY, MI, MS, MO, NC, OH, PA, SC, TN, VA, WV and WI. Admitted versus non-admitted placement depends on the state, class and carrier appetite. Why Place Commercial Umbrella with J.M. Wilson Market access: we represent a number of admitted and non-admitted carriers, giving producers flexibility to place accounts that need admitted forms or E&S capacity. MGA & E&S expertise: focused underwriting for umbrella/excess placements with experience handling layered liability structures. Streamlined quoting: a focused appetite and clear minimums help agents get quick indications on common small-to-mid sized commercial risks. Underwriting Notes and Submission Tips Include current underlying liability declarations pages and forms so we can confirm attachment points and coverage consistency. Provide 3–5 years of loss history when available; include explanations for any losses to speed placement. Describe operations, annual payroll/sales and vehicle exposures for contractors and service accounts. If you need deletion of an SIR or unusual attachment points, flag that on submission so underwriting can evaluate markets early in the process. Frequently Asked Questions What types of accounts are a good fit for this Commercial Umbrella program?Retail, hospitality, light contractors, service and distribution classes with standard underlying programs and acceptable loss histories are the primary appetite. The program is designed for small- to mid-size commercial risks that need higher liability limits. What limits and attachment points are available?Limits are available up to $20,000,000. Typical minimum attachment points for lower-hazard classes are $1,000,000 primary / $2,000,000 excess, but underwriting will consider other structures based on the account. Minimum premium guidelines apply for each layer. Which states does this program serve?The program is available in GA, IL, IN, KS, KY, MI, MS, MO, NC, OH, PA, SC, TN, VA, WV and WI. Coverage options and admitted vs. non-admitted availability depend on the state and carrier. Is coverage placed admitted or non-admitted?We work with both admitted and non-admitted markets. The placement method depends on the class, state regulation, and the carrier selected by underwriting. What information should I include with a submission?At minimum provide current underlying declarations pages, loss runs (preferably 3–5 years), a description of operations, and exposure details (payroll, sales, vehicles). For contractors or hospitality accounts, include any contracts or risk-transfer requirements. Need help placing an account? Connect with a market specialist.

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Franchise Food operations are among the fastest-growing segments of the restaurant industry. RMS Hospitality Group understands the specialized insurance needs of franchised restaurants and has built a dedicated Franchise Food program to help agents place single-unit and multi-unit franchise risks with confidence. Franchise Food Program Overview The Franchise Food program provides tailored insurance solutions for a broad range of franchised dining establishments. Whether your client runs a single location or a multi-unit system, RMS delivers competitive products and practical risk management support that reflect the compliance-driven, high-turnover nature of the foodservice industry. RMS brings decades of hospitality experience to this program. Our background includes being appointed as a nationwide approved vendor for McDonald's in 1994, a role that helped establish RMS as one of the largest brokers in the segment during that decade. Ideal Accounts and Appetite We write a wide variety of franchised food operations, including: • Quick service restaurants with limited or no seating, counter service, and simple cooking methods (e.g., Subway, Panera Bread, Quiznos, Red Mango) • Fast food chains such as Taco Bell, KFC, and Wendy’s • Franchise restaurants with less than 50% liquor sales, including full-service or waitress-style operations (e.g., Applebee’s, Famous Dave’s, TGI Friday’s) • Family-style and casual dining locations with or without server service (e.g., IHOP, Denny’s, Chipotle) This program is a strong fit for agents with clients expanding franchise footprints or transitioning from independent operations to national systems. Generally not a fit are accounts with majority liquor sales, nightclubs, large entertainment venues, or operations with unusually high cooking or exposure profiles without prior underwriting review. Coverage Highlights and Advantages The Franchise Food Select Program includes a full suite of coverages designed for restaurant exposures: • Workers Compensation • Property • General Liability • Products & Completed Operations • Liquor Liability (eligible restaurants with less than 50% liquor sales) • Excess Liability Policies focus on the day-to-day risks restaurants face—from slip-and-fall and foodborne illness claims to liquor liability and property damage—with program wording and limits suited to franchised operations. Underwriting Notes and Minimum Premiums Underwriting considers location, unit count, revenue, cooking operations, loss history, and franchise standards. Minimum premiums vary by state, size, and risk profile; RMS underwriters are available to help structure coverage that meets operational requirements and budget constraints. Territories and Availability This program is available in all 50 states and Washington, DC. RMS can provide consistent placement and program continuity whether your client is opening a single site or expanding a regional footprint. Why Work With RMS Hospitality Group? As a Managing General Agency focused on hospitality, RMS combines deep industry knowledge, long-standing carrier relationships, and practical risk management resources. Agents benefit from specialized underwriting, responsive support, and market access that generalist brokers may not offer. Example scenarios you can place through this program: • A franchisee opening three quick-service units in a regional rollout who needs property, liability, workers' comp, and excess limits under coordinated policies. • A single-unit franchise converting from independent ownership to a national brand seeking tailored general liability and product liability coverage and advice on liquor liability exposures. If you need help placing a franchise restaurant account, RMS Hospitality Group provides market access and underwriting expertise to move the submission efficiently. Connect with a market specialist. Frequently Asked Questions What types of accounts are a good fit for this program?We specialize in franchised food operations such as quick service restaurants, fast food chains, and family-style or casual dining locations with less than 50% liquor sales. Can this program handle multi-location franchise operations?Yes. The program supports single-unit and multi-unit franchise operations and offers scalable coverage solutions as clients grow. Is liquor liability included in the coverage?Yes. Liquor liability is available for eligible restaurants that maintain less than 50% of revenue from liquor sales. What states is the program available in?The Franchise Food program is available in all 50 states and Washington, DC. What carriers are used in this program?RMS works with various carriers to align a client’s risk profile with competitive and comprehensive options; carrier selection is made based on the specific submission. 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.

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.

The FastCov Vendors and Exhibitors Insurance program, administered by American Specialty Insurance & Risk Services, provides primary General Liability coverage tailored for vendors, concessionaires, and exhibitors at fairs, festivals, trade shows, and other short-term events. This streamlined solution is built for agents and brokers who need a quick, reliable way to place event-based accounts. The program offers flexible underwriting, broad eligibility across many vendor classes, and an online platform that simplifies quoting and binding for clients who sell or display products on a short-term basis. Program Highlights General Liability and Inland Marine coverage options Admitted coverage through “A” rated carriers Fast online quoting, binding, and certificate issuance Instant COIs at no additional charge Affordable minimum premiums (varies by risk) 24/7 online access for agents Target Classes Eligible Operations (Products Coverage Available) Antique and collectible vendors Arts & crafts vendors Apparel and accessories Face painting and photo booths Food and drink concessionaires Cookware and household goods Souvenir and gift-wrapping booths Lawn and garden equipment sales Sports and camping gear, retail carts Static vehicle displays, game booths, and similar operations Eligible Operations (Products Coverage NOT Available) Auto parts and accessories Candles (selling only) Health and beauty products Fire safety equipment Motorized equipment and vehicles Toys, exercise equipment, and cleaning chemicals Ineligible Operations Alcohol sales Fireworks or haunted attractions Mechanical or inflatable amusements Live animals, medical testing, or tattooing Weapons, motorsports, or on-site installations Underwriting and Availability Coverage is placed with admitted, “A” rated carriers. Minimum premiums and specific terms vary by exposure, product type, and length of the event. The program is available nationwide in all 50 states and Washington, D.C., giving agents a single solution for multi-state event schedules. Why Work With American Specialty American Specialty Insurance & Risk Services is a Managing General Underwriter focused on sports, entertainment, and event-related risk. Through FastCov.com they provide an online platform that lets agents rapidly quote, bind, and issue policies and certificates—helpful when venue requirements require immediate proof of insurance. The program’s strengths are speed, admitted paper, and a streamlined experience for short-term vendors and exhibitors. It is intended to handle the typical exposures of event-based sellers: slip-and-fall, product liability (where available), and property in transit (via Inland Marine options). Typical Account Examples You have a client who sells handmade jewelry and crafts at weekend street fairs across several states — the program can provide product liability and GL for scheduled events with quick certificates for each venue. You place a seasonal food concessionaire who operates at county and state fairs — the program offers short-term GL with admitted carriers and instant COIs so the vendor can comply with booth insurance requirements. Frequently Asked Questions What types of accounts are a good fit for this program?The program is ideal for vendors, exhibitors, and concessionaires participating in short-term events like fairs, festivals, and trade shows. Can I get product liability coverage for my client?Product liability is available for many eligible vendor classes. Some operations may only qualify for general liability without product coverage—check eligibility during quoting. What are the minimum premium requirements?Minimum premiums vary by operation, exposure, and duration. Use the online quoting system or contact underwriting for an accurate minimum for a given account. Are certificates of insurance available instantly?Yes. Once coverage is bound, certificates can typically be generated within minutes at no extra charge. Which states is this program available in?This program is available in all 50 states and Washington, D.C. 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.

MANUFACTURER'S & DISTRIBUTOR'S INSURANCE Coverage's to include: General Liability (including Product Liability) Excess Liability Property Professional Liability (E&O) Directors & Officers (D&O) Employment Practices Liability Pollution Liability Risk Appetite (including but not limited to): Machinery & Equipment Chemicals Electronics Clothing Pharmaceuticals Neutroceuticals Medical Devices Food & Drink Products Child/Infant-related Products Cosmetics Automotive Parts Wood Products Ingestibles Animal Products Metal Products Tough Products E-Cig/Vaporizers Program Highlights: Minimum Premiums starting at $500 Access to over 40 markets All carriers AM Best A-rated or better In-house binding authority for select risks Domestic and London-based market options Overview of the Program From Ck Specialty Insurance As a family-owned and operated MGA and Surplus Lines Broker, Ck Specialty Insurance Associates, Inc. brings deep underwriting expertise and broad market access to support your manufacturing and distribution clients. Through our Manufacturer's & Distributor's Insurance Program, we help retail agents place complex and specialty risks in a wide range of product sectors. We specialize in helping you navigate hard-to-place or emerging risks with tailored solutions from A-rated carriers. Our wholesale relationships span more than 40 markets, including both domestic and London-based options, allowing us to provide flexible terms and competitive pricing for your clients. Ideal Accounts and Appetite This program is well-suited for a diverse range of manufacturing and distribution clients, including but not limited to: Pharmaceutical and Nutraceutical manufacturers Medical device producers and distributors Machinery, electronics, and automotive parts suppliers Cosmetics, food & beverage, and ingestible product companies Infant and child product manufacturers Firms involved in e-cigarette or vaporizer production If you’re working with a distributor of imported consumer electronics or a manufacturer of private-label cosmetics, this program is designed to handle their unique liability exposures. Coverage Highlights and Advantages Through this program, you can provide your clients with comprehensive protection that addresses the full spectrum of operational and product-related risks. Key coverage options include: Product Liability – critical for manufacturers and importers Pollution Liability – for chemical, industrial, or food-related operations Professional and D&O Liability – for companies offering design, consulting, or executive services Employment Practices Liability – for HR-related exposures In-house binding authority allows for quicker turnarounds on qualified risks, helping you respond faster to client needs. Underwriting Notes and Minimum Premiums We accept a wide range of risk classes and sizes, with minimum premiums starting at just $500. All carriers are A-rated or better by AM Best, ensuring your clients receive quality coverage backed by financial strength. Our underwriting team takes a collaborative approach, working closely with agents to structure the best possible terms. Territories and Availability This program is available to retail agents and brokers in Arizona (AZ), California (CA), Colorado (CO), and Texas (TX). We operate on a non-admitted basis, allowing us to tailor coverages for unique or hard-to-place risks outside of standard market appetite. Why Work With Ck Specialty Insurance? Ck Specialty Insurance is more than a wholesaler—we’re your strategic partner in placing specialty risk. As a Western-based, family-run operation, we understand the needs of regional businesses and the agents who serve them. With access to a wide range of surplus lines markets and a commitment to responsive service, we help you open more doors for your clients. Manufacturers & Distributors Insurance Ck Specialty Insurance is a family-owned & operated, Western-based MGA/Wholesaler/Surplus Lines Broker providing market access to retail insurance brokers in AZ, CA, CO, ID, MT, NV, OR, UT, & WA. 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 manufacturers and distributors of products such as pharmaceuticals, medical devices, electronics, cosmetics, food and beverage items, and more—including higher-risk classes like chemicals and e-cigarettes. Is this program available on an admitted basis?No, this is a non-admitted program, which allows us to offer flexible solutions for difficult-to-place or emerging risks. What is the minimum premium for this program?Minimum premiums start at $500, depending on the risk profile and coverage selected. Can you help with accounts that need Pollution or Product Liability coverage?Yes, we offer both Pollution Liability and Product Liability as part of the program, making it suitable for businesses with significant environmental or product-related exposures. What states is this program available in?This program is currently available in Arizona, California, Colorado, and Texas through licensed retail agents and brokers. Need help placing an account? Connect with a market specialist.