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Overview — Assurity Life Insurance Company: Hospital Indemnity Assurity Life Insurance Company’s Hospital Indemnity program (Assurity at Work) provides a straightforward hospital cash benefit designed for workplace voluntary programs and individual supplemental coverage. The plan pays a fixed daily benefit for covered inpatient stays, with flexible daily limits and optional riders that let you tailor protection to the client’s needs. Benefits are available in six-month and one-year maximum payment periods and the contract is guaranteed renewable to age 65. Coverage highlights Daily benefit range: $30 to $250 Choice of maximum benefit period: six months or one year No elimination period for injuries; choice of elimination period for sickness Guaranteed renewable to age 65 Interchangeable rider options to expand or customize coverage Riders available Family Rider Annual First Occurrence Hospital Rider Annual Wellness Benefit Rider Emergency Accident Rider Injury Hospital Indemnity Rider Hospital Indemnity Rider Accidental Death, Dismemberment and Paralysis Benefit Rider Outpatient Sickness Rider Intensive Care Unit Rider Private Duty Nurse Rider Surgery and Anesthesia Rider Surgery, Anesthesia and Additional Benefits Rider Ideal accounts and appetite This program is a good fit for: Employers offering voluntary or payroll-deducted supplemental benefits for employees (small to mid-sized groups). Agents placing individual or worksite hospital indemnity policies for clients who need predictable cash assistance during inpatient stays. Clients seeking simple, limited-duration inpatient benefits to help cover deductibles, lost wages, transportation, or incidental out-of-pocket costs related to hospitalization. Not a fit when clients require long-term institutional care, indefinite hospital coverage, or extensive medical expense reimbursement — this product is designed as a daily cash indemnity, not primary medical insurance. Underwriting notes and placement tips Daily benefit selections allow you to match benefit levels to payroll contributions or individual budgets — useful for voluntary worksite programs. No elimination period applies to injuries; sickness elimination periods are selectable, which can help manage pricing for higher risk groups. Benefit periods (six months or one year) limit exposure — make sure buyers understand the maximum payable days per claim period. Riders can broaden appeal (e.g., family coverage, ICU, surgery riders); evaluate which riders improve fit for your client’s population without exceeding budget constraints. Typical declines or restrictions may apply for applicants with recent hospitalizations or ongoing inpatient care needs; submit full medical details with applications to speed decisions. Territories and availability Available in: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Why place this business with Assurity Life Insurance Company Simple, easy-to-explain hospital cash benefits that work well in voluntary worksite programs and individual supplemental placements. Flexible daily limits and multiple riders let you create modular solutions for different employee or consumer segments. Guaranteed renewable to age 65 provides portability and predictable renewal expectations for clients. Designed for fast quoting and straightforward underwriting when complete information is submitted. Agent examples You might have a small employer who wants an affordable voluntary benefit to reduce employee financial stress after an inpatient stay — propose a $75–$150 daily benefit with an ICU rider and family rider to cover dependents. You might place an individual supplemental policy for a client who needs predictable cash to cover hospital coinsurance and transportation costs — select a daily benefit that matches their anticipated out-of-pocket exposure and add an annual first occurrence rider for added peace of mind. Frequently Asked Questions What are the available daily benefit amounts and maximum payment periods?Daily benefits range from $30 to $250. The policy offers maximum benefit periods of six months or one year, so total payable days are limited by the chosen period. Are there elimination periods for injury or sickness?There is no elimination period for covered injuries. For sickness, the policy offers selectable elimination periods — choose the option that best balances client cost and coverage needs. Which riders are most commonly used to expand coverage?Common rider selections include Family Rider, ICU Rider, Surgery and Anesthesia Riders, and Annual First Occurrence Hospital Rider. These let you customize the policy for employee groups or individual preferences. In which states can I place this hospital indemnity product?This program is available in most states listed on the storefront, including AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI and WY. Check availability for the specific applicant state before quoting. What types of accounts are a good fit for placement with Assurity?Good fits include small to mid-sized employers offering voluntary worksite benefits and individuals seeking supplemental hospital cash protection. This product is less appropriate for cases needing long-term institutional care or comprehensive medical expense reimbursement. Need help placing an account? Connect with a market specialist.

When you think about placing Nightclub accounts, what matters most to you? A solid product from a reliable carrier and an MGA that works with you to get submissions on track are usually at the top of the list. RMS Hospitality Group’s Nightclub Insurance program was designed with those priorities in mind. Overview of the Program from RMS Hospitality Group RMS Hospitality Group offers a targeted Nightclub Insurance program built for hospitality venues, entertainment spaces, and nightlife operations. As a Managing General Agency, we provide access to admitted and non-admitted capacity through various carriers and focus on practical coverages and aggressive claim management to protect your clients and defend against frivolous or fraudulent claims. Coverage Highlights Our Nightclub Insurance program includes broad liability protections and specialized coverages tailored for venues where alcohol service, live entertainment, and large crowds create unique exposures. Coverage highlights include: • Claims Services • Risk Mitigation • Commercial Liability • Investigation Services • Assault & Battery • Liquor Liability • Excess Liability • Products & Completed Operations 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 Ideal Accounts and Appetite This program is aimed at nightclubs and hospitality venues that host DJs, live music, and dance floors, as well as food service operations inside entertainment venues. Typical target classes include: • Food service inside nightclubs or venues • DJs and entertainers • Live music venues • Establishments with dance floors and regular large-event operations Accounts that fit best have professional security procedures, clear alcohol-service policies, and loss control measures in place. RMS Hospitality Group is selective: we seek operations with managed crowd control, documented staff training, and reasonable prior loss histories. If a submission isn't a fit, we will let you know quickly to avoid wasting your time. Underwriting Notes and Minimums Underwriting focuses on operations, hours of operation, alcohol service practices, security/staffing, and the venue’s entertainment schedule. Common considerations include: Whether the venue serves alcohol and the extent of liquor exposure Security protocols (bouncers, ID scanning, incident reporting) Capacity and types of events (general admission vs. ticketed concerts) Prior loss history and any ongoing litigation Minimum premium: Varies by state and carrier. RMS Hospitality Group evaluates each account individually and will provide guidance on minimums and excess layering when you submit the account. Territories and Availability Most available states — RMS Hospitality Group places business in a wide set of jurisdictions. The program is available in the following territories: 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, DC Capacity is provided through Various carriers. Placement may be admitted or non-admitted depending on state availability and the client’s risk profile. Why Work with RMS Hospitality Group Specialized hospitality underwriting and a program geared specifically to nightlife and entertainment risks. Claims and investigation services focused on reducing frivolous or fraudulent claims. Access to excess capacity up to $5,000,000 for larger exposures. A pragmatic underwriting approach: quick feedback if an account is not eligible, and collaborative support to get submissions in proper form. Example accounts that fit You might have a downtown nightclub that hosts weekly live bands and DJs, uses licensed security staff, and operates a full bar — a good fit for primary liability with liquor and assault & battery options. Or a multi-room venue with separate dining and dance floor areas that needs products/completed operations plus excess limits for larger events. If you’d like to learn more about how RMS Hospitality Group’s Nightclub Insurance program can place your clients, submit the details of your account and we’ll respond with next steps. Frequently Asked Questions What types of nightclub accounts are a good fit for this program?Venues with active alcohol service, live entertainment or DJs, established security protocols, and documented loss-prevention practices are ideal. Food-service operations inside entertainment venues also fit well when controls are in place. What submission information does RMS Hospitality Group need?Provide a completed application, loss runs (typically 5 years if available), description of security and alcohol-service procedures, average attendance/capacity, and any contracts for entertainment or vendors. Are assault & battery and liquor liability available?Yes. Assault & Battery is available up to $1,000,000 and Liquor Liability limits up to $1,000,000 are offered, subject to underwriting and state availability. How quickly will I hear back on a submission, and how are claims handled?RMS Hospitality Group aims to provide quick feedback on eligibility and underwriting. The program emphasizes active claims management and investigation services to address and defend questionable claims early. Need help placing an account? Connect with a market specialist.

Program Overview — Hospitality Insurance from Hospitality Insurance Solutions Hospitality Insurance Solutions offers a focused Hospitality Insurance program designed for hotel, motel and similar lodging operations. As a managing general agency, we place accounts with carriers such as Discover Property and Casualty Insurance Company, providing agents with a one-stop source for property, liability, umbrella, boiler & machinery, and crime coverages tailored to the lodging industry. Why this program? Package or monoline flexibility — bind property, GL, umbrella, B&M and crime together or select only the coverages you need. Market access through financially strong carriers (ratings noted by AM Best and Standard & Poor’s in carrier materials). Underwriting geared to hotel/motel exposures so you can place accounts quickly with hospitality-focused appetite and forms. Coverage highlights No coinsurance on property or business income. Personal property of others included within limits (helps with guest belongings exposures). Building glass included and lost key coverage provided. Earthquake coverage included except in WA, OR, CA and the New Madrid seismic zone. Flood coverage included except in A & V zones or sub-zones. Guest evacuation and relocation coverage to help manage mass-evacuation exposures. General liability with per-location aggregate; liquor liability, employee benefits liability, and hired/non-owned auto available. Umbrella limits up to $200,000,000 available. Boiler & machinery limits to $25,000,000; includes business income, extra expense, service interruption, plus $2,500,000 demolition & increased cost of construction coverage. Crime: employee dishonesty and forgery limits up to $500,000; innkeepers and safe-deposit box liability available. Note: Property coverage is not offered in Florida under this program. Ideal accounts and appetite This program is intended for hotel and motel owners and operators, including but not limited to: limited-service motels, economy and midscale hotels, franchised roadside properties, and smaller independent boutique hotels. Typical accounts we place: Single-location motels or hotels with moderate annual revenue and standard housekeeping and maintenance operations. Properties with on-premise alcohol service (we offer liquor liability where needed). Properties seeking higher umbrella limits or expanded B&M and business interruption protection. Generally not suited: high-rise luxury resorts, properties with significant recreational operations (e.g., large water parks), non-managed condominium hotels, or accounts with significant Habitational conversion issues—submit those for prior review. Underwriting notes Underwriters review occupancy, fire protection, sprinkler status, recent loss history, and management experience. Flood and earthquake have named exceptions in higher-risk zones — see coverage highlights for standard exclusions. Submission should include ACORD applications, current property valuation information, protection class, loss runs, and details on alcohol exposure if applicable. Minimum premiums and binding conditions vary by state and account; contact our underwriting desk for account-specific thresholds and appetite guidance. Territories and availability Available in: 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. Why place hospitality business with Hospitality Insurance Solutions? MGA expertise — underwriters who understand lodging risks and the documentation agents need to bind quickly. Comprehensive product set — package or pick coverages to match your client’s exposures. Access to competitive limits (including high umbrella and B&M limits) and hospitality-specific endorsements. Responsive placement support — we review submissions and provide clear underwriting feedback to help you close business. Example scenarios: You might have a 75-room roadside motel with standard fire protection and low claims history that needs combined property and GL with liquor liability — this program can often provide packaged solutions. Or a mid-size downtown hotel seeking higher umbrella limits and boiler coverage for its mechanical plant can benefit from the B&M and umbrella capacity offered. Frequently Asked Questions What types of hospitality accounts fit this program?We primarily write hotel and motel owners/operators: limited-service, economy, midscale, franchised roadside properties, and small independent hotels. Large resorts, complex recreational operations, and certain condo-hotels typically require referral. Which coverages are available as a package versus monoline?Property, general liability, umbrella, boiler & machinery, and crime can be bound together as a package or written individually. Packaging often simplifies pricing and claims handling for multi-line exposures. Are earthquake and flood included everywhere?Earthquake is included by default except in WA, OR, CA and the New Madrid area. Flood is included except in A & V zones or sub-zones. Always confirm per-location eligibility during submission and note there is no property coverage in Florida under this program. What do you need to submit for a quoted account?Provide ACORD applications for property and liability, current property valuations, protection class/sprinkler info, five years of loss runs, and details on alcohol exposure or any prior major losses. Underwriting may request additional information depending on the account. Need help placing an account? Connect with a market specialist.

RMS Hospitality Group offers a specialized Bars & Taverns insurance program tailored for establishments that serve alcohol and face unique liability exposures. As a trusted Managing General Agency with access to various carriers, RMS Hospitality Group helps you secure competitive coverage for your hospitality clients in a wide range of states. Ideal Accounts and Appetite This program is designed for bars, taverns, lounges, nightclubs, and similar venues that serve alcohol and may offer live entertainment, dancing, or late-night hours. Ideal accounts include: Neighborhood bars and sports pubs Taverns with food service Live music venues Nightclubs with security staff You might have a client with a downtown bar that features live DJs and employs bouncers—this program is built to handle that kind of risk. RMS Hospitality Group understands the nuances of nightlife exposures and provides tailored solutions. Coverage Highlights and Advantages Key limits and coverage features include: 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 LimitExcluded 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 Underwriting Notes and Minimum Premiums Underwriting is tailored to address the operational risks of nightlife and hospitality businesses. Assault & Battery coverage is available, an essential component for venues with security or crowd control. Minimum premiums vary based on risk characteristics such as location, operations, and prior loss history. Submission requirements typically include a completed application and loss runs. Territories and Availability The Bars & Taverns program is available in most U.S. states. RMS Hospitality Group currently offers this program in all states except Alaska, Vermont, and West Virginia. Admitted status varies by state, and the program is written with various carriers depending on the risk and jurisdiction. Why Work With RMS Hospitality Group RMS Hospitality Group brings deep expertise in the hospitality and nightlife sector. Their focused underwriting approach, access to multiple markets, and commitment to responsive service make them a reliable partner for agents and brokers looking to place bars and taverns with confidence. Whether you're dealing with a new venture or an established venue with complex exposures, RMS Hospitality Group can help you find a solution that fits. Frequently Asked Questions What types of accounts are a good fit for this program?Bars, taverns, nightclubs, lounges, and venues that serve alcohol and may feature live entertainment or dancing are strong candidates for this program. Is Assault & Battery coverage included?Yes, coverage for Assault & Battery is available up to $1,000,000, depending on underwriting approval. What states is this program available in?The program is offered in most states except Alaska, Vermont, and West Virginia. Availability may vary slightly depending on carrier and risk profile. Are excess limits available?Yes, excess liability coverage is available up to $5,000,000. What is the minimum premium for this program?Minimum premiums vary based on account characteristics such as location, operations, and loss history. Contact RMS Hospitality Group for specific underwriting requirements. Need help placing an account? Connect with a market specialist.

Hospitality Insurance Program from A.I.I. Insurance Brokerage of MA A.I.I. Insurance Brokerage of MA offers a Hospitality Insurance program designed for the specific risks of hospitality operations. As an experienced Excess & Surplus Lines broker, we provide independent agents and brokers access to multiple non-admitted and specialty markets to help place accounts that may be difficult to place in standard admitted markets. Ideal Accounts and Appetite This program is focused on hospitality businesses with elevated or complex exposures. We are actively seeking accounts in these categories: Bars and nightclubs Restaurants Caterers Gentlemen’s clubs We can handle operations with liquor service, live entertainment, dance floors, and special events. Whether it’s a high-traffic downtown bar or a small-town restaurant that hosts frequent events, our appetite is for hospitality risks that demonstrate reasonable controls or where markets are willing to consider risk-mitigation plans. Coverage Highlights and Advantages Because we place business across a variety of carriers, we can tailor packages to match each client’s exposures. Common coverages available through the program include: General liability Liquor liability Property coverage Assault & battery Business interruption Inland marine and equipment We focus on practical solutions for the most frequent hospitality exposures — slip-and-fall incidents, liquor-related claims, property damage during events, and equipment breakdowns — and work to align coverage forms and limits to each client’s operations. Underwriting Notes and Minimum Premiums Minimum premiums vary by class, location, and individual risk characteristics. For the most efficient review, submit complete packages that include years in business, current loss runs, a description of operations and special events, liquor sales percentages (if applicable), security measures, and prior insurance history. New ventures are considered if they show experienced management, a clear business plan, and appropriate risk controls. Accounts with prior losses will be evaluated on severity, frequency, and documented corrective actions. Territories and Availability This Hospitality Insurance program is available in the New England states listed below: Connecticut (CT) Massachusetts (MA) Maine (ME) New Hampshire (NH) Rhode Island (RI) We have established carrier relationships across these territories and understand the local market dynamics and regulatory environment for hospitality operations. Why Work With A.I.I. Insurance Brokerage of MA? As a specialist Excess & Surplus Lines broker, A.I.I. Insurance Brokerage of MA combines deep hospitality expertise with broad market access. We focus on responsive service and practical underwriting that helps you place both standard and harder-to-place hospitality accounts. Our team can assist with submissions, market placement, and negotiating terms to match the client’s risk profile. Example scenarios that fit the program: You have a downtown bar with high liquor sales and live music looking for combined general and liquor liability with assault & battery limits. An independent caterer expanding into off-site events that needs liability, inland marine for equipment, and business interruption for event cancellations. Frequently Asked Questions What types of accounts are a good fit for this program?We focus on hospitality businesses such as bars, nightclubs, restaurants, caterers, and gentlemen’s clubs, especially those with liquor liability or entertainment exposures. Is your program available to new ventures?Yes. We can consider new ventures that demonstrate experienced management, clear operating plans, and appropriate safety practices. Each submission is reviewed on its own merits. Do you offer coverage for liquor liability?Yes. Liquor liability is a core component of the program and is available for most hospitality risks, including accounts with significant liquor sales, subject to underwriting review. What underwriting information is needed for a submission?Provide a completed application, recent loss runs, description of operations and events, liquor sales percentages (if applicable), security protocols, and prior insurance history to help expedite placement. Which states is the program available in?This program is available in Connecticut, Massachusetts, Maine, New Hampshire, and Rhode Island. Need help placing an account? Connect with a market specialist.

The hospitality industry presents distinct risks that require specialized insurance solutions. At Worldwide Facilities, LLC, our Hospitality Insurance Program is a non-admitted solution designed to help retail agents and brokers place higher-exposure hospitality accounts. Whether you are placing an urban nightclub, a casino, or a family-run motel, we provide tailored risk management guidance and access to specialty carriers to help protect guests, employees, operations, and property. Backed by years of underwriting experience in hospitality, this program helps agents secure competitive terms for accounts that may be difficult to place in standard markets. We focus on accounts with elevated liability exposures, alcohol risk, live entertainment, or complex property and business interruption issues. Ideal Accounts and Target Classes We concentrate on hospitality operations that face greater-than-average exposures or that need nuanced underwriting. Typical target classes include: Bars and Taverns Casinos Hotels and Motels Nightclubs Restaurants This program is a strong fit for late-night venues with live entertainment, restaurants with significant alcohol sales, multi-location motel portfolios with prior losses, or properties with complex property and BI exposures. It is less competitive for very small, low-exposure operations that standard markets will readily accept. Coverage Highlights and Advantages The Hospitality Program offers flexible coverage tailored to hospitality operations. Common coverages include: General Liability Liquor Liability Property Coverage Assault and Battery Equipment Breakdown Business Interruption Because we work with a broad panel of specialty markets, you can access customized solutions for hard-to-place risks — including capacity for higher limits and endorsements suited to hospitality exposures. Underwriting Notes and Submission Tips There is no stated minimum premium; however, the program is intended for moderate to high exposure accounts or risks that standard markets may decline. To improve turnaround, submit clean files that include detailed operations descriptions, percent of alcohol sales, hours of operation, security procedures, occupancy type, square footage, property values, and at least five years of loss history when available. Territories and Availability Worldwide Facilities offers this non-admitted Hospitality Program in most U.S. states. We are available in: 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. Contact us for specific state limitations or regulatory restrictions. Why Work With Worldwide Facilities? As a wholesale broker with deep hospitality expertise, Worldwide Facilities pairs specialized underwriting with strong carrier relationships. Our team collaborates with retail agents to tailor coverage, place complex risks, and provide responsive service. We aim to help you grow your book by offering market access and practical placement guidance for challenging hospitality accounts. Visit us online for additional information. Contact [email protected] Frequently Asked Questions What types of accounts are a good fit for this program?We specialize in hospitality risks such as bars, nightclubs, restaurants, hotels, motels, and casinos — particularly accounts with liquor liability, live entertainment, or higher-than-average exposures. Is this program available nationwide?Yes — the Hospitality Program is available in most U.S. states. Contact Worldwide Facilities for details on state-specific availability and any regulatory restrictions. Does the program offer liquor liability coverage?Yes. Liquor liability is a core component of the program and can be included for eligible hospitality accounts where applicable. What underwriting information is needed for submissions?Provide full operational details, percent of liquor sales, hours and days of operation, security measures, occupancy and square footage, and prior loss history to help ensure a fast and accurate quote. Is there a minimum premium requirement?There is no stated minimum premium. The program is best suited for moderate to high exposure accounts and may not be competitive for very small, low-exposure risks. Need help placing an account? Connect with a market specialist.

Hospitals Errors & Omissions Insurance of...of accounts are a good fit for this Hospitals Errors and Omissions Insurance program?This program fits hospitals, clinics, diagnostic labs, ambul...

Leavitt Recreation and Hospitality offers a 2-day turnaround on quotes for Bed and Breakfast Insurance! Bed and Breakfast Insurance Program from Leavitt Recreation and Hospitality Leavitt Recreation and Hospitality Insurance, Inc. (LRHI) offers a specialized Bed and Breakfast Insurance program tailored for owner-occupied and innkeeper-managed properties across a wide range of U.S. states. With deep expertise in hospitality and recreation risks, LRHI understands the unique exposures that come with operating charming, customer-facing businesses like B&Bs and vacation rentals. This program provides flexible coverage options and fast turnaround—quotes in 2 days and binding in as little as 1 day—making it an ideal solution for busy agents. Ideal Accounts and Appetite This program is designed for a variety of hospitality risks, including: Owner-occupied bed and breakfast properties Inns managed by an innkeeper or third-party manager Vacation rentals (including seasonal operations) Properties located in Protection Class 9 and 10 areas Whether your client operates a year-round B&B or a seasonal mountain inn open for 12 or more consecutive weeks, LRHI can accommodate various occupancy schedules. Properties must be winterized if unoccupied during off-season months. Coverage Highlights and Advantages Leavitt’s Bed and Breakfast program offers broad and customizable coverage options that address both personal and business exposures: Liability limits up to $1,000,000 Medical Payments up to $10,000 Loss of Use coverage for owner-occupied risks Personal Injury Protection Restaurant and host liquor liability available Scheduled personal property (fine arts, furs, jewelry, guns) Replacement Cost coverage for buildings up to 50 years old (with updates in the last 20 years) Functional Replacement Cost for buildings older than 50 years Owner-occupied properties are eligible for coverage on both personal and business personal property, making this an ideal solution for hybrid-residential operations. Underwriting Highlights and Minimum Premium LRHI’s in-house underwriting authority allows them to quote, bind, and issue policies quickly—often within 24 hours for risks with total insured values (TIV) under $3 million. This flexibility is ideal for agents who need fast answers and efficient placement for unique hospitality accounts. Minimum premiums vary based on location, occupancy, and coverage needs. Contact LRHI for a tailored quote. Territories and Availability This non-admitted program is available in the following states: AL, AZ, AR, CO, CT, DE, GA, HI, ID, IN, KS, LA, ME, MD, MI, MS, MO, MT, NE, NJ, NM, NY, NC, OH, OK, OR, SC, SD, TN, TX, UT, VA, WA, WY Why Work With Leavitt Recreation and Hospitality Insurance With decades of experience in hospitality and recreational risks, Leavitt Recreation and Hospitality brings targeted underwriting knowledge, reliable carrier markets, and responsive service to help agents succeed. The ability to bind quickly, handle unique property types, and offer flexible coverage options makes this program a go-to solution for agents serving the B&B and vacation rental space. For all of your Bed and Breakfast Insurance risks, contact Leavitt today! Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for owner-occupied bed and breakfasts, inns managed by innkeepers, and vacation rental properties, including those in rural or high protection class areas. Can this program handle seasonal or part-time operations?Yes. Properties that operate for at least 12 consecutive weeks can be considered. If the property is unoccupied during the off-season, it must be properly winterized. What coverage is available for older buildings?Buildings over 50 years old are written on a Functional Replacement Cost basis. Properties less than 50 years old that have been updated in the last 20 years may qualify for Replacement Cost coverage. How quickly can I get a quote or bind coverage?LRHI typically provides quotes within 2 business days. For risks under $3 million TIV, binding and issuance can be done in as little as one day due to in-house authority. Is this an admitted or non-admitted program?This is a non-admitted program, offering flexibility in underwriting and coverage for unique or higher-risk accounts. Need help placing an account? Connect with a market specialist.

Hospitality Insurance Program from Cochrane & Company Cochrane & Company is proud to offer our specialized Hospitality Insurance Program, built to serve a wide range of food and beverage establishments. Backed by an A+ XV AM Best-rated carrier, this program provides access to both Admitted coverage in California and Non-Admitted options in other available states. Whether you're looking to place a neighborhood tavern or a busy catering operation, our program is designed to provide flexible, competitive solutions for your hospitality clients. Ideal Accounts and Appetite This program is tailored for a broad mix of hospitality businesses, including: Restaurants & Cafes Bars, Taverns, and Pubs Deli's and Pizza Parlors Take-Out Establishments Banquet Facilities and Caterers BYOB Restaurants Incidental exposures and BYOB operations are considered. Accounts with low alcohol receipts may be eligible for assault & battery coverage considerations. This flexible appetite allows you to confidently place a variety of small to mid-size hospitality risks. Example: You might have a client operating a combination dine-in and take-out pizza shop with a small catering side business—this program can address their unique blend of exposures under one tailored package. Coverage Highlights and Advantages The Hospitality Insurance Program offers a comprehensive suite of coverages and enhancements to protect against common industry exposures, including but not limited to: General Liability and Property coverage with limits up to $5,000,000 Liquor Liability available Employment Practices Liability Equipment Breakdown Crime coverage (small limits included; higher limits available) Additional Insured Endorsements available Silent on Assault & Battery for qualifying risks Specialized Tiered Rating Program for more competitive pricing Optional ancillary coverages are available for an additional premium, including: Employee Benefits Liability Hired and Non-Owned Auto Liability Underwriting Notes and Minimum Premiums Minimum premiums vary based on risk characteristics, location, and selected coverages. The program is underwritten with flexibility in mind, making it suitable for a range of small to mid-sized hospitality operations. Our team considers unique features like BYOB models and incidental exposures that may not fit traditional markets. Territories and Availability This program is currently available in the following states: California (Admitted), Idaho, Montana, Oregon, and Washington (Non-Admitted). We continue to evaluate expansion opportunities to meet agent demand in additional territories. Why Work with Cochrane & Company? As a trusted Managing General Agency with deep market access and underwriting expertise, Cochrane & Company delivers tailored insurance solutions for niche industries like hospitality. We understand the operational risks your clients face and provide responsive service to help you place business efficiently. Our strong carrier relationships and flexible program structure make us a valuable partner for hospitality accounts that require attention to detail and customized coverage. If you have questions about our Hospitality Insurance Program or need help evaluating a specific risk, don’t hesitate to reach out—we’re here to support your success. Frequently Asked Questions What types of accounts are a good fit for this Hospitality Insurance Program?The program is ideal for restaurants, cafes, bars, taverns, caterers, pizza parlors, take-out locations, and BYOB establishments with low to moderate alcohol exposure. Is liquor liability available through this program?Yes, liquor liability coverage is available and can be tailored based on the insured’s alcohol sales and operations. What states is this program available in?The program is available in California (on an Admitted basis), and in Idaho, Montana, Oregon, and Washington (on a Non-Admitted basis). Are optional coverages offered?Yes, optional coverages such as Employee Benefits Liability and Hired & Non-Owned Auto Liability are available for an additional premium. What is the minimum premium for this program?Minimum premiums vary depending on the risk and selected coverages. Contact Cochrane & Company for a quote or to discuss specific accounts. Need help placing an account? Connect with a market specialist.

RMS Hospitality Group offers a specialized insurance program tailored to the unique risks associated with comedy clubs. As a Managing General Agency with extensive experience in the hospitality sector, RMS understands the challenges venues face — from liquor liability and assault & battery exposures to property damage and customer safety. This program is designed for agents and brokers looking to place business for clients who operate live entertainment venues with a primary focus on stand-up comedy and related performances. Ideal Accounts and Appetite This program is ideal for standalone comedy clubs, venues that feature comedy as part of their regular entertainment lineup, and establishments that serve alcohol during performances. Whether your client operates a small urban venue or a larger regional club with multiple shows per week, RMS Hospitality Group can help you secure the right coverage. Accounts that typically fit well include: Comedy clubs with full bar service Venues hosting touring comedians or open mic nights Clubs with bouncer or security presence Locations with ticketed events and seating capacity controls Coverage Highlights and Advantages The program provides robust coverage specific to the hospitality and entertainment industry. Key coverage features include: 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 LIMITEXCLUDED 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 Underwriting Details and Minimum Premiums Minimum premiums vary depending on the size, location, and risk profile of the venue. RMS Hospitality Group works with various carriers to provide flexible underwriting solutions. Submission requirements may include details on crowd control, security measures, alcohol service protocols, and loss history. Territorial Availability This program is available in most U.S. states except Alaska, Vermont, and West Virginia. Coverage is offered on a non-admitted basis in most jurisdictions, allowing flexibility in underwriting and risk placement. States served include but are not limited to CA, TX, NY, FL, IL, and WA. Why Work With RMS Hospitality Group? RMS Hospitality Group specializes in placing coverage for nightlife, hospitality, and live entertainment venues. Their deep understanding of the industry allows them to provide tailored solutions and responsive service to insurance agents and brokers. Whether you're working with a seasoned comedy club operator or a new venue opening its doors, RMS can help you navigate the complexities of coverage, risk management, and carrier access. Frequently Asked Questions What types of accounts are a good fit for this program?Comedy clubs with live performances, alcohol service, security staff, and crowd control protocols are ideal candidates. Both standalone venues and mixed-use entertainment spaces are considered. Is liquor liability included in this program?Yes, liquor liability coverage is included up to $1,000,000, making this program well-suited for venues that serve alcohol during events. Are assault and battery claims covered?Yes, assault and battery coverage is available up to $1,000,000, subject to underwriting approval and specific risk factors. In which states is this program not available?This program is not available in Alaska, Vermont, and West Virginia. It is offered in most other states across the U.S. What carriers does RMS Hospitality Group work with?RMS works with various carriers to provide flexible and competitive options. Carrier selection depends on the specific risk and underwriting criteria. Need help placing an account? Connect with a market specialist.