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... Contractors Insurance, including Workers’ Compensation and Commercial Auto co...ed in the program?The program offers Workers Compensation and Commercial Auto coverage, w...

...olicies (BOP), General Liability, Workers' Compensation, Business Auto, Proper...ages include BOP, General Liability, Workers' Compensation, Business Auto, Property, and o...

The Demetriou Group is pleased to offer a specialized Bar and Tavern Insurance program designed for hospitality businesses involved in alcohol sales and service. Whether you’re working with a startup bar or a well-established nightclub, we provide flexible and comprehensive coverage solutions tailored to meet the unique risks faced by these establishments. Ideal Accounts and Appetite This program targets a wide range of establishments, including: Bars and Taverns Nightclubs with entertainment and dancing Restaurants with full-service bars Fast food locations with liquor service We can consider both new ventures and existing businesses, with sales up to $5,000,000 for restaurants and up to $3,000,000 for bars and taverns. Accounts involving bouncers and late-night operations are eligible. If you’re looking to place a new nightclub with dancing and a full bar, or a tavern in a recently renovated building, this program could be a strong fit. Coverage Highlights and Advantages Our Bar and Tavern Insurance program offers two tiers of Liquor Liability coverage: Basic Coverage: Excludes assault or battery coverage; expense costs are inside the limits. Top Shelf Coverage: Includes full limits for assault or battery; expense costs are outside the limits. Additional Commercial Property and Casualty coverages include: Umbrella and Excess General Liability options Employment Practices Liability quotes available Equipment Breakdown coverage with up to $250,000 in spoilage and refrigerant contamination, plus power interruption protection Value Plus endorsement for loss of accounts receivables, valuable papers, employee dishonesty, and more No liability deductible Property credits available for newer or recently updated buildings Underwriting Notes and Minimum Premiums Minimum premiums vary depending on the risk profile and selected coverages. The program is designed to accommodate both small and mid-sized businesses operating in the food and beverage industry. Our underwriting team is experienced in handling accounts with complex exposures such as high liquor sales or live entertainment. Territories and Availability This program is available in the following states: CT, ME, MA, NH, NJ, NY, PA, RI, and VT. We work with a variety of carrier partners to offer admitted and non-admitted solutions, depending on the jurisdiction and risk characteristics. Why Work With The Demetriou Group As a Managing General Agency with deep experience in hospitality-related risks, The Demetriou Group provides agents and brokers with access to competitive markets and responsive underwriting. We understand the challenges associated with placing bar and tavern business and are here to help you secure the right coverage for your clients—efficiently and effectively. Call us today for all of your Bar and Tavern Insurance needs! Frequently Asked Questions What types of accounts are a good fit for this program?We target bars, taverns, nightclubs, and restaurants with liquor service. New ventures and businesses with entertainment or bouncers are eligible. Is assault and battery coverage available?Yes, our Top Shelf Coverage includes full limits for assault and battery with expense costs outside the limits. Can you write accounts with 100% liquor sales?Yes, we offer Liquor Liability coverage for establishments with up to 100% liquor sales. In which states is the program available?The Bar and Tavern Insurance program is available in CT, ME, MA, NH, NJ, NY, PA, RI, and VT. Are property credits available?Yes, restaurants in newer or recently updated buildings may be eligible for property credits. Need help placing an account? Connect with a market specialist.

Demetriou General Agency offers a specialized Church Insurance program—Religious Institutions Advantage—designed for the distinct exposures of faith-based organizations. With focused underwriting and years of experience placing coverage for churches, synagogues, mosques, and similar institutions, we deliver solutions that let you place this business with confidence. Ideal Accounts and Appetite This program is a fit for a broad range of religious organizations, including: Churches and houses of worship Religious schools and daycare centers Faith-based community centers and outreach programs Nonprofit organizations affiliated with religious institutions We write accounts from small, single-site congregations to larger multi-location ministries. Operations with educational components, sponsored outreach activities, or child care services generally fall within appetite when they meet underwriting guidelines. Coverage Highlights and Advantages The Religious Institutions Advantage program includes flexible coverages to address both common and specialized exposures: Comprehensive General Liability – Primary limits up to $1,000,000 Medical Payments – For minor injuries occurring on premises Sexual Misconduct Liability – Optional coverage for institutions with youth or volunteer programs Special Equipment – Protection for sound systems, musical instruments, and other specialized property Vehicles and Transportation – Coverage for vans and buses used for official church activities Unusual Liabilities – Tailored options for unique ministries or outreach efforts We also support automated premium payments and offer policy customization so coverage can grow as your client's operations change. Underwriting Notes and Minimum Premiums Minimum premiums vary with the size and nature of the risk. Accounts that demonstrate solid risk management, clean claims history, and stable operations are particularly competitive. Our underwriting team is responsive and will work with you on unique or complex submissions; please contact us for guidance on specific accounts. Territories and Availability The program is available in CT, ME, MA, NH, NJ, NY, PA, RI, and VT. Depending on the state and the risk profile, coverage may be placed on either an admitted or non-admitted basis. Why Work With Demetriou Group? As a managing general agency with deep expertise in the religious sector, Demetriou General Agency provides targeted underwriting, access to multiple markets, and hands-on service. We prioritize speed, clarity, and practical solutions so you can place accounts efficiently and keep your clients protected. Example scenarios you can place through this program: A suburban church running weekday daycare and weekend youth events that needs primary liability and sexual misconduct coverage for volunteers. A mid-size congregation with a dedicated outreach van and expensive audio equipment seeking combined liability and special equipment protection. For questions or additional information, please contact: John Mavroukas [email protected] Vice President, Demetriou General Agency 1-212-897-6912 ext 4208 Frequently Asked Questions What types of accounts are a good fit for this program?Churches, religious schools, daycares, and nonprofit faith-based organizations are within appetite, especially those with youth programs, volunteer activities, or sponsored outreach. Is sexual misconduct liability coverage included?Sexual misconduct liability is available as an optional add-on and can be included for institutions that require protection for youth programs or volunteers. Are schools or child care services operated by churches eligible?Yes. Affiliated schools and child care services are eligible provided they meet underwriting guidelines and appropriate controls are in place. Which states is this program available in?The Church Insurance program is available in CT, ME, MA, NH, NJ, NY, PA, RI, and VT. What is the minimum premium for this program?Minimum premiums vary with the risk, size, and coverages chosen. Contact our underwriting team for specific minimums and rate guidance. Need help placing an account? Connect with a market specialist.

Demetriou General Agency is your trusted partner for placing Environmental Contractors Insurance risks. Our program is built to address the complex exposures environmental contractors and consultants face, and it provides a streamlined solution through an A-rated (Excellent) carrier. We offer tailored options including Contractor’s Pollution Liability (CPL), Environmental Consultant Professional Liability, and a combined Contractors & Consultants Liability Package — all structured to meet evolving client needs while keeping placement simple for you, the agent. Ideal Accounts and Appetite Our program targets a broad range of environmental service providers. Typical classes we place include: Site remediation contractors (soil, groundwater, and vapor mitigation) Contractors performing underground storage tank removal and closure Environmental consultants preparing Phase I & II reports, site assessments, and regulatory compliance advice Asbestos, lead, and mold abatement contractors Waste haulers, spill response teams, and emergency remediation services You might have a client who specializes in soil remediation for former industrial sites or a small consultant firm conducting Phase II investigations — both are good fits for this program when operations and limits match appetite. Coverage Highlights and Advantages Demetriou General Agency’s Environmental Contractors Insurance program provides flexible coverages designed for construction and professional exposures associated with environmental work. Key features: Contractor’s Pollution Liability (CPL) for third-party claims and remediation costs Professional Liability for environmental consultants (E&O) covering negligent assessment or reporting Combined General Liability and Professional Liability packages for mixed contractor/consultant operations Low minimum premiums to accommodate small and mid-sized firms Higher liability limits available for accounts that meet underwriting criteria These coverages help protect insureds from the financial impact of pollution incidents, cleanup obligations, and professional errors or omissions — critical where regulatory and third-party exposures are significant. Underwriting Notes and Minimum Premiums Underwriting focuses on scope of operations, claim history, work controls, and project types. Key considerations include: Detailed description of operations and typical projects (site types, equipment used, subcontractor involvement) Loss runs and professional claims history Risk controls such as written procedures, air monitoring, disposal practices, and training Minimum premiums vary by class, limits, and whether the account is placed admitted or non-admitted. Demetriou’s underwriters review submissions quickly and will advise on documentation needed to qualify the risk. Territories and Availability This program is available in CT, ME, MA, NH, NJ, NY, PA, RI, and VT. We can place accounts in admitted or non-admitted markets when appropriate, giving you flexibility to secure capacity for more complex or hard-to-place risks. Why Work With Demetriou General Agency? As a Managing General Agency with deep experience in niche environmental markets, Demetriou General Agency helps agents place specialized environmental risks with confidence. Our strengths: Dedicated underwriting teams familiar with environmental and remediation exposures Access to an A-rated carrier panel and both admitted and non-admitted options Efficient turnaround and practical guidance on documentation and risk improvements Solutions for single contractors up to multi-state consultant firms Whether you’re placing a single-site remediation contractor or a consulting firm with multi-state operations, we provide the market access and underwriting support to get the deal done. Call Demetriou General today for all of your Environmental Contractors Insurance needs! Frequently Asked Questions What types of accounts are a good fit for this program?This program is designed for environmental contractors, consultants, and remediation firms, including specialists in mold, lead, asbestos, tank removal, and soil or groundwater remediation. Is this program available in all states?No. Coverage is currently available in CT, ME, MA, NH, NJ, NY, PA, RI, and VT. What coverages are included in the Environmental Contractors Insurance program?Available coverages include Contractor’s Pollution Liability, Environmental Consultant Professional Liability, and combined General Liability plus Professional Liability packages for mixed operations. Are admitted and non-admitted carriers available?Yes. We access both admitted and non-admitted markets depending on the risk profile and jurisdiction. What is the minimum premium for this program?Minimum premiums vary by class of business, limits requested, and whether the placement is admitted or non-admitted. Contact our underwriting team to discuss specifics for your submission. Need help placing an account? Connect with a market specialist.

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