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...taurants and multi-unit owners Fine dining and upscale establishments ... for franchise and multi-unit owners, fine dining, family-style restaurants, taverns/bars, lodging food & b...

... compensation coverage tailored to fine dining, family dining, and fast casual...his coverage?The minimum premium for workers' compensation coverage in this program begins...

... Liquor liability available for restaurants ...

Sky Box Insurance from Axiom Insurance Managers Agency, LLC provides tailored liability protection for privately owned luxury suites in sports venues. Designed specifically for individuals and businesses that lease skyboxes, this program helps your clients meet venue insurance requirements and protect themselves from potential liability exposures associated with hosting guests in a private suite setting. Ideal Accounts and Appetite This program is ideal for: Individuals or corporate clients leasing luxury suites in stadiums or arenas Short-term or single-event leases (e.g., one-night use) Long-term suite leaseholders, including full-season box owners Whether your client is entertaining VIPs or hosting a corporate event during a major league game, this program offers the liability coverage they need to meet venue requirements and manage risks. Coverage Highlights and Advantages General Liability – Protects against third-party bodily injury or property damage claims occurring within the suite Host Liquor Liability – Covers liability stemming from serving alcohol in the suite (non-retail) Property Coverage – Insures personal property brought into the suite by the named insured Limits Available: Up to $5 million, depending on the venue’s contractual requirements Policy Term: Matches the term of the lease—whether for a single event or a full season Underwriting Notes and Submission Requirements Axiom has developed a streamlined submission process for fast quoting and binding. Online submissions can be completed in minutes with minimal information: Name and mailing address of the insured Number of days of coverage Number of seats in the suite Name of the venue Pricing: Premium is calculated per seat, based on the limit required by the venue. Contact Axiom for a quote once the venue requirements and suite details are known. Territories and Availability Sky Box Insurance is available in all states except where otherwise restricted. Axiom currently offers this program in the following states: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Admitted Status: Non-Admitted Why Work With Axiom Insurance Managers? Axiom Insurance Managers is a trusted program administrator offering niche solutions for unique liability exposures. With access to multiple carriers and a focus on ease of doing business, Axiom delivers fast turnarounds and simple submission requirements—making it easy for agents to secure suite liability coverage for their clients. Whether your client is leasing a box for one night or the full season, you can rely on Axiom for responsive service and tailored protection. Call Axiom today for all of your Sky Box Insurance risks! Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include individuals or businesses leasing luxury suites in sports venues, whether for a single event or a full season. What information is needed to submit an account?You’ll need the insured's name and mailing address, number of coverage days, number of seats in the suite, and the venue name. How is the premium calculated?Premium is based on the number of seats in the suite and the liability limit required by the venue. Pricing is quoted per seat. Is coverage available for one-night events?Yes, policies can be written for one-night events or for the full lease term, depending on your client’s needs. What states is this program available in?This program is available in most U.S. states, including CA, TX, NY, FL, IL, and many others. Contact Axiom for specific state eligibility. Need help placing an account? Connect with a market specialist.

...isk-management nuances of bars, restaurants, package stores, and specialty bev...

...nce Stores Bars/Taverns Restaurants Hotels/Motels Nightclubs ...

Insurance Programs of America (IPOA) is the leader in hotel programs for our agency partners in the hospitality industry, insuring large hotels, resorts and spas, and golf course resort properties throughout the country. Our expertise in the hotel insurance space is unmatched. Exclusive Hotel Insurance Program — HotelPro With HotelPro, IPOA offers agents an exclusive, hospitality-focused program specifically designed for limited- and full-service hotels. HotelPro pairs specialized underwriting with broad capacity and multiple carrier relationships — including Tower Group Companies and Lloyd’s of London — to deliver property, liability, and umbrella placements for single sites and portfolios. Overview of the Program from Insurance Programs of America HotelPro is written through admitted and surplus markets to provide flexible placement options for hotel risks. IPOA underwrites hotels with a focus on modern construction and active loss-control measures, delivering capacity, tailored coverage extensions, and both auditable and non-auditable liability options. For agents, this program is an efficient market for clients that need higher limits, hotel-specific extensions, and underwriting that understands hospitality operations. Ideal Accounts and Appetite Limited-service and full-service hotels, including select-service brands and independent properties Resorts, spas, and golf-course resort properties Interior and exterior-corridor hotels All construction types considered; hotels built after 1987 are preferred unless completely gut-renovated Accounts with demonstrated property protection (sprinklers, fire alarm systems) and established safety programs Coverage Highlights and Advantages Property, General Liability, and Umbrella coverages tailored for hotel exposures Exclusive hotel insurance extensions that address hospitality-specific exposures Capacity up to $50 million Both admitted and excess & surplus (E&S) placement options — admitted availability in some states Liability available as auditable or non-auditable to fit different account structures Underwriting Notes and Minimum Premiums Underwriting emphasizes newer or renovated properties, robust loss-control practices, and manageable coastal exposure. Limited capacity applies in higher-tier coastal counties. Typical minimum premiums are as follows: Packages — $15,000 (Interior hotels: frame construction <$5M TIV if sprinklered) Property — $10,000 Liability — $5,000 Coastal Property (Tier 1) — $25,000 These minimums are program guidelines; final terms are subject to underwriting review and carrier appetite. Territories and Availability HotelPro writes nationwide. IPOA operates as a Managing General Underwriter and Excess & Surplus lines broker with placements available in the following states: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Note: admitted availability is limited to some states and certain classes; where admitted capacity is not available, E&S markets may be used. Why Work with IPOA on Hotel Business Specialized hotel underwriting and program design focused on hospitality risks Access to multiple carriers and high capacity up to $50M Hospitality-specific policy language and extensions not commonly available in general markets Hands-on underwriting and E&S placement capability for challenging or higher-limit accounts Example accounts that fit HotelPro A 120-room full-service resort with on-site spa and golf course seeking combined property and liability placement with umbrella limits. An independent 80-room limited-service hotel recently renovated with a sprinklered frame and annual revenue within program guidelines that needs a streamlined package placement. Frequently Asked Questions What types of hotel accounts are the best fit for HotelPro?HotelPro is designed for limited- and full-service hotels, resorts, spas, and golf-course resort properties. Properties built after 1987 or those that have been gut-renovated are preferred, and accounts with active loss-control measures (sprinklers, alarms, documented safety programs) typically place more competitively. Is coverage admitted or non-admitted?IPOA places HotelPro on both admitted and excess & surplus (E&S) markets. Admitted coverage is available in some states; where admitted markets aren’t available or the risk needs specialty terms, E&S capacity is used. What minimum premium should agents expect?Minimums vary by line and exposure. Program guideline minimums include: Packages $15,000, Property $10,000, Liability $5,000, and Coastal Property (Tier 1) $25,000. Final minimums and pricing depend on underwriting review and specific exposures. Which states are eligible for placement?HotelPro writes nationwide with availability in the states listed in the program materials. Some admitted options are state-dependent; IPOA also provides E&S solutions where needed. Check the current state list and market access before submission. Need help placing an account? Connect with a market specialist.