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Pizza Delivery Insurance is our specialty! ...che?AFC Insurance Inc. specializes in pizza and deli risks and delivers tailor...

Pizza Parlor Insurance Program from Demetri...-out and delivery operations, dine-in pizza restaurants, and some franchise lo...

... a focused Business Owner Packages (BOP) program built for independent agents ...es of accounts are a good fit for this BOP program?This program is ideal for h...

...f shops Donut and coffee shops Pizza shops and delicatessens Ice cream a...e; this program can provide consistent BOP terms across locations. Or you may ...

...ents place Businessowners Policies (BOP), General Liability, Workers' Compensa...is program?Available coverages include BOP, General Liability, Workers' Compen...

...ements to a Business Owners Policy (BOP)—depending on carrier appetite and the...olicy or issued as an endorsement to a BOP. Are legal defense costs covered ev...

Insurance Bistro Insurance Services, in partnership with Restaurant Coverage Associates (RCA), is proud to offer a comprehensive Bar, Tavern, and Restaurant Insurance Program tailored for licensed P&C agents and brokers throughout California, Arizona, and Nevada. This program is designed to help you place accounts in the hospitality sector with confidence, backed by an admitted ‘A’ rated carrier—State National—on a non-admitted basis. Overview of the Program This exclusive program offers broad coverage options for a wide range of hospitality risks, including bars, taverns, and restaurants of all types and sizes. Whether your client operates a neighborhood tavern, a high-traffic sports bar, a family-style restaurant, or a fine dining establishment, Insurance Bistro’s program delivers flexible solutions with competitive rates and responsive underwriting support. Ideal Accounts and Appetite The Bar, Tavern, and Restaurant Program is designed for hospitality businesses seeking tailored protection for both standard and high-exposure operations. Ideal risks include: Full-service and limited-service restaurants Bars and lounges with or without live entertainment Nightclubs and taverns Establishments serving alcohol with food or as a primary revenue source You might have a client who runs a popular bar in downtown Los Angeles or a family-owned restaurant with wine service in Scottsdale—both could be great fits for this program. Coverage Highlights and Advantages General Liability limits up to $1 million per occurrence / $2 million aggregate Liquor Liability (including A&B) up to $1 million / $2 million Special Property Form with available enhancement endorsements Competitive premiums tailored to your client's risk profile Coverage through an 'A' rated carrier on a non-admitted basis Coverage is structured to address critical exposures such as liquor liability, slip-and-fall incidents, kitchen fires, and damage to property or equipment. Optional enhancements are available to strengthen your client’s protection package. Underwriting Notes and Minimum Premiums Underwriting is efficient and responsive, with a keen focus on aligning coverage to the specific operations and risk level of each account. While no formal minimum premium is stated, agents can expect very competitive pricing, especially when placing risks that align with the program’s appetite. Territories and Availability This program is currently available to licensed agents and brokers in: California Arizona Nevada Agents operating in these states can access the program directly through Insurance Bistro Insurance Services, with streamlined quoting and binding processes. Why Work With Insurance Bistro? As a specialized Managing General Agency, Insurance Bistro focuses on delivering niche insurance solutions through strong carrier relationships and industry partnerships. By teaming up with RCA, they bring deep expertise in hospitality risks and offer agents a dependable, competitive, and flexible platform for placing bar, tavern, and restaurant business. Agents benefit from personalized service, fast turnaround times, and access to a market that understands the unique challenges of hospitality clients. Whether you're looking to place a startup restaurant or a long-established nightlife venue, Insurance Bistro can help you close the deal with confidence. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include restaurants, bars, taverns, and nightclubs—especially those with liquor exposure, entertainment, or unique dining experiences. Is this program admitted or non-admitted?This is a non-admitted program written through an 'A' rated carrier, offering flexibility in underwriting and coverage customization. Which states is the program available in?The program is available to licensed agents and brokers in California, Arizona, and Nevada. Does the program include liquor liability coverage?Yes, liquor liability is available up to $1 million per occurrence / $2 million aggregate, including Assault & Battery coverage. What is the underwriting turnaround time?Underwriting is efficient, with a focus on quick responses to help agents bind coverage and serve their clients faster. Need help placing an account? Connect with a market specialist.

At Demetriou Group we offer tailored Medical Offices Insurance solutions designed for independent agents and brokers placing medical and allied health risks. Overview of the Program from Demetriou Group This Managing General Agency program is positioned to place a broad range of medical office and outpatient clinic risks. Demetriou Group works with multiple carrier partners (varies by account) to provide a package approach that combines general liability, professional (medical) liability, excess limits and property capacity appropriate for medical practices, diagnostic labs and other outpatient services. Ideal Accounts and Appetite The program targets small to mid-sized medical office operations and outpatient facilities. Typical classes that fit well include: AIDS testing services Alcohol and drug centers Audiologists Chiropractors Dental offices & labs Diagnostic imaging and X-ray labs (including MRI, lithotripsy) Home health agencies and mobile diagnostic centers Medical billing services and lab technicians Mental health clinics, counselors, psychologists, social workers, therapists Optometry offices, urgent care and standalone surgery centers Accounts with routine outpatient diagnostic and treatment exposures, stable risk controls, and standard staffing levels are the primary focus. High-hazard inpatient facilities, large ambulatory surgery centers with complex procedures, or operations with documented regulatory actions may require special review or be outside appetite. Coverage Highlights and Advantages Commercial General Liability: typically available at $1,000,000 per occurrence. Professional (Medical) Liability: capacity referenced at up to $3,000,000 aggregate through the program. Excess Liability: excess limits may be available up to $5,000,000 depending on carrier placement. Property: options to place up to $5,000,000 TIV (total insured value) when needed. Employee Benefits Liability: available as part of the package where required. Because Demetriou Group works with multiple markets, you gain flexibility to tailor limits and coverages to the client’s exposure profile while keeping placement options centralized through one underwriting partner. Underwriting Notes and Minimum Premiums Underwriting considers specialty, claims history, patient volume, procedures performed, and facility controls (infection control, credentialing, security). Minimum premium and specific terms vary by carrier and state—consult the program for quoting guidance. Be prepared to submit a detailed application, loss runs, and facility information for faster evaluation. Territories and Availability This program is available through Demetriou Group in CT, ME, MA, NH, NJ, NY, PA, RI and VT. Availability and admitted vs. non-admitted options vary by state and carrier; confirm placement options at submission. Why Work with Demetriou Group on Medical Offices Insurance As a managing general agency focused on specialty commercial lines, Demetriou Group provides underwriter access across multiple carriers, experienced medical-lines underwriting, and the flexibility to structure combined GL/PL/property packages. That makes it efficient for agents to present a single submission and pursue tailored solutions for a variety of outpatient and clinic risks. Example Scenarios • You have a two-provider outpatient physical therapy clinic seeking combined general and professional liability with modest property limits — this program can provide package options with tailored limits. • You represent a diagnostic imaging center (MRI/X-ray) that needs professional liability, facility liability and excess capacity — the program’s carrier panel can be used to assemble the appropriate layered limits. For quoting, submit the client’s completed application, recent loss runs, facility details and any provider credentialing documentation. Carriers and minimum premiums vary; contact Demetriou Group for current appetite and submission guidance. Frequently Asked Questions What types of medical offices are a good fit for this program?This program is best for outpatient clinics and medical offices such as dental practices, diagnostic labs (MRI, X-ray), urgent care centers, behavioral health clinics, therapists, optometrists, and similar allied health providers with routine outpatient procedures. Which states is the program available in?Demetriou Group currently markets this Medical Offices Insurance program in CT, ME, MA, NH, NJ, NY, PA, RI and VT. Coverage availability and whether an admitted or non-admitted placement is used depend on the state and carrier. What documentation should I include with a submission?Provide a completed application, most recent loss runs (typically 5 years if available), facility information (services offered, staffing, controls), and credentialing or licensing details for providers. Additional attachments may be requested depending on the risk. Are excess limits and property available through the program?Yes. Excess liability capacity (up to $5M referenced) and property limits (up to $5M TIV referenced) are available through market partners, subject to underwriting and carrier approval. Who do I contact for quoting and placement guidance?Submit the account to Demetriou Group with the requested documentation. Because carriers and minimum premiums vary, the program underwriters will review and advise on appetite, required attachments and next steps for placement. Need help placing an account? Connect with a market specialist.