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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.

Bar Insurance Program from Pacific Coast E&S Insurance Services Pacific Coast E&S Insurance Services offers a flexible and comprehensive Bar Insurance program designed for a wide range of hospitality and food-service risks, including those with liquor sales and entertainment exposures. Whether your client operates a family-style restaurant, a bar with live music, or an adult entertainment venue, this program provides tailored coverage solutions to protect their business operations and assets. Ideal Accounts and Appetite This program is ideal for food and beverage establishments with varying levels of alcohol exposure, including: Restaurants – dine-in or take-out, with or without alcohol service Bars, pubs, and lounges Nightclubs and venues with dance floors Adult entertainment venues (with or without alcohol) Establishments with live or recorded entertainment We can consider accounts with alcohol sales from 0% to 100%. Locations with higher exposure, such as adult clubs or dance venues, are eligible under this program. Example: You may have a client running a small bar in Oregon with weekend live music and a dance floor. Or perhaps a family-style restaurant in California that recently added beer and wine service. Both are strong fits for this program. Coverage Highlights and Advantages This program offers robust protection through either monoline Liquor Liability or a complete package policy. Key features include: General Liability and Liquor Liability, including Assault & Battery coverage Limits available up to $5,000,000 Follow-form Excess or Umbrella Liability options Property coverage enhancements, including: Food Spoilage Equipment Breakdown Property Extension Endorsement Coverage for signs and computer equipment Theft coverage (requires Central Station Burglar Alarm) Underwriting Notes Each submission is reviewed by experienced underwriters who understand the unique risks of hospitality and nightlife operations. Although no specific minimum premium is listed, we recommend submitting complete information for the most efficient review process. Underwriting flexibility allows us to consider higher-risk classes and tailor coverage to meet client needs. Territories and Availability This Bar Insurance program is currently available in the following states: California Oregon Washington Admitted carriers are available in select states; non-admitted options may be used for more specialized risks or higher exposures. Note: Certain products may be handled nationally from a central Premier location, depending on the class of business and state regulations. Why Work with Pacific Coast E&S Insurance Services? As a wholesale broker with deep expertise in E&S markets, Pacific Coast E&S Insurance Services is well-positioned to help agents and brokers place challenging hospitality risks. We offer access to broad coverage options, competitive limits, and a responsive underwriting team that understands the unique exposures of bars, restaurants, and entertainment venues. Our goal is to help you secure the right coverage for your clients—whether they own a quiet neighborhood bistro or a high-energy nightclub. Let us help you navigate the complexities of liquor liability and entertainment exposures with confidence. Frequently Asked Questions What types of accounts are a good fit for this Bar Insurance program?We target restaurants, bars, nightclubs, and adult entertainment venues—with or without alcohol service, entertainment, or dance floors. Can I submit a risk with 100% alcohol sales?Yes, risks with up to 100% alcohol sales are eligible. We specialize in accounts with high liquor exposure. Is Assault & Battery coverage included?Yes, Assault & Battery coverage is available on both General Liability and Liquor Liability policies. Are monoline Liquor Liability policies available?Yes, we offer both monoline Liquor Liability and full package policies depending on the client’s needs. Which states is this program available in?This program is currently available in California, Oregon, and Washington. Need help placing an account? Connect with a market specialist.