https://completemarkets.com/company/kandkinsurance/PR/Rink-Program-Expanded-to-Include-Roller-Skating-Facilities/
https://completemarkets.com/company/amerspec/Ice-Rinks/
...an place accounts that host public skate sessions, youth and adult hockey, fig...arena hosting youth hockey and public skate sessions; or a privately operated ...
https://completemarkets.com/company/veracityinsurance/Sports-Leisure-and-Recreation-Insurance/
https://completemarkets.com/company/axiom-ins/Amusement-Rental-Insurance-Program/
https://completemarkets.com/company/continental-risk-continental-marine-insurance-services/liquor-liability-hotelsmotels-pool-halls-bowling-centers-bars-taverns--restuarants/
Liquor Liability Coverage From Continental Risk / Continental Marine Insurance Services
Liquor liability exposures aren’t just limited to bars and restaurants. At Continental Risk / Continental Marine Insurance Services, we understand that many hospitality and entertainment businesses also face liquor-related risks. That’s why we offer a Liquor Liability program tailored for a broad range of establishments, including:
Hotels and Motels
Pool Halls and Bowling Centers
Bars and Taverns
Restaurants
Ice and Roller Skating Centers
Whether your client operates a busy restaurant with a full bar or a boutique motel that occasionally hosts events serving alcohol, our program is designed to help agents place these accounts with confidence.
Ideal Accounts and Appetite
This program is well-suited for businesses that serve, sell, or allow the consumption of alcohol on their premises. Our appetite includes:
Hospitality venues that serve alcohol such as hotels and motels (excluding 24-hour operations)
Entertainment venues like pool halls, bowling alleys, and skating centers
Restaurants, bars, and taverns with liquor exposure
We do not offer coverage for 24-hour operations or venues with extremely high-risk alcohol exposure. If you're unsure whether your client's business qualifies, our underwriting team can help you assess the risk.
Coverage Highlights and Advantages
Limits available: $1,000,000 per occurrence / $2,000,000 aggregate / $1,000,000 for liquor liability
Medical Payments: Up to $5,000
Minimum Deductible: $0
Admitted Markets: Some markets available on an admitted basis, with all carriers rated “A” or higher
Combined GL and Liquor Packages: Ability to package General Liability with Liquor Liability for comprehensive protection
This program is structured to meet the needs of small to mid-sized establishments with moderate to high foot traffic and standard liquor exposure. Our ability to package coverages can help agents present a more complete insurance solution to their clients.
Underwriting Notes and Minimum Premiums
The base minimum premium starts at $2,500. We offer flexible underwriting for qualified risks, and we work closely with our agents to find the right solutions for their clients’ specific operations. Our underwriting team evaluates each submission thoroughly and efficiently.
Territories and Availability
This Liquor Liability program is currently available in the following states:
AL, AK, AZ, AR, CA, CO, GA, ID, LA, MA, MO, NV, NM, NY, NC, ND, OH, OK, OR, PA, RI, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY
We are actively writing in these states and are familiar with the unique regulations and exposures within each territory.
Why Work With Continental Risk / Continental Marine Insurance Services?
As a trusted wholesale broker with access to top-rated carriers, Continental Risk / Continental Marine Insurance Services offers specialized solutions for liquor liability risks across various industries. We bring extensive experience in underwriting and brokering hospitality and entertainment industry accounts.
Our team is responsive, knowledgeable, and committed to helping agents succeed. Whether you’re placing a small rural tavern or a chain of boutique hotels, we can help you find a market quickly and efficiently.
Frequently Asked Questions
What types of accounts are a good fit for this program?We target businesses such as bars, taverns, restaurants, hotels, motels, pool halls, bowling centers, and skating rinks that serve or allow alcohol consumption.
Can General Liability be packaged with Liquor Liability?Yes, we offer the option to package General Liability and Liquor Liability coverages for qualified accounts.
Are 24-hour operations eligible for this program?No, this program excludes 24-hour operations due to increased risk exposure.
What is the minimum premium for this Liquor Liability coverage?The minimum premium starts at $2,500, depending on the risk profile and coverage needed.
Is this program available on an admitted basis?Some markets are available on an admitted basis, and all carriers used are A-rated.
Need help placing an account? Connect with a market specialist.
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... Rinks and Ice Rinks
Amusement Parks and Theatres
Concert Halls, Dance...entertainment venues, gyms, amusement parks, and similar operations.
What are ...
https://completemarkets.com/company/axiom-ins/Fine-Dining-Restaurants-Insurance/
With more than 25 years of industry experience, Axiom Insurance Managers Agency, LLC offers a dedicated Fine Dining Restaurant Insurance program built for upscale dining operations. Whether your client runs a white-tablecloth steakhouse, a high-end bistro with an extensive wine list, or a destination restaurant with valet and limited live music, Axiom provides tailored coverage and flexible underwriting to match those specialty exposures.
Ideal Accounts and Appetite
This program targets fine dining establishments that maintain elevated food and service standards and operate in a controlled environment. Typical classes we consider include:
Fine dining restaurants
White-tablecloth establishments
Steakhouses
Axiom will consider locations serving up to 65% liquor by revenue when a curated wine list and responsible alcohol controls are in place. Limited live entertainment such as acoustic acts, jazz trios, or similar performances is allowed up to twice per week with appropriate controls.
Example fits: you might have a high-end steakhouse with valet parking and occasional acoustic music or a boutique bistro with a prominent sommelier program. With documented controls and standard risk management practices, these accounts are typically well-aligned with Axiom’s appetite.
Coverage Highlights and Advantages
Axiom’s program combines broad liability limits with hospitality-specific options to address common exposures in fine dining operations.
General Liability
$1,000,000 Each Occurrence
$2,000,000 General Aggregate (excluding Products/Completed Operations)
$2,000,000 Products/Completed Operations
$2,000,000 Personal & Advertising Injury
$500,000 Damage to Premises Rented to You
Liquor Liability (Package or Mono-Line)
$1,000,000 Each Common Cause
$2,000,000 Aggregate (per-location aggregate applies)
Optional Coverages
Assault & Battery
Defense Outside the Limit of Liability
Combined Single Limit
$1,000,000 Hired & Non-Owned Auto Liability
Valet Parking coverage
$5,000 Medical Payments (fine dining only)
Umbrella/Excess up to $10 million
Additional Insureds
Employment Practices Liability
Property and Business Income (subject to coastal wind exclusions)
Food & Beverage Spoilage
Equipment Breakdown
Underwriting Notes and Minimum Premiums
To expedite placement, submissions should include:
Signed ACORD applications
Three years of currently valued loss runs
A completed supplemental application (Axiom’s or another carrier’s)
Target pricing or expiring premium
Minimum premiums vary by account characteristics and location. Contact Axiom for indicative pricing based on the client’s operations, revenues, and exposures.
Territories and Availability
The program is offered on a non-admitted basis and is available in the following states: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, WA, DC, WV, WI, WY. Some state or regional restrictions apply:
New York – certain Bronx zip codes are restricted
Connecticut – certain New Haven zip codes are restricted
Minnesota – certain counties are limited to $100,000/$300,000 liquor liability
Why Work With Axiom Insurance Managers Agency, LLC
Axiom is a program administrator with deep hospitality underwriting experience and access to multiple markets that understand fine dining risks. Agents benefit from responsive service, flexible terms, and an underwriter who recognizes the operational nuances of upscale restaurants. Use Axiom to place accounts that require specialty appetite, tailored liquor and liability solutions, and optional coverages such as valet and food spoilage.
Frequently Asked Questions
What types of accounts are a good fit for this program?Upscale restaurants, white-tablecloth establishments, and steakhouses with controlled operations and up to 65% liquor revenue are ideal candidates.
Is this program available in all states?The program is available in most states on a non-admitted basis, but some zip codes and counties have restrictions. Contact Axiom to confirm eligibility for a specific location.
Can I submit risks with live entertainment?Yes. Live entertainment is acceptable when limited to acoustic acts, trios, or jazz combos no more than twice per week and when appropriate controls are in place.
What are the submission requirements?Provide signed ACORDs, three years of currently valued loss runs, a completed supplemental application, and target pricing or expiring premium to start underwriting review.
Is liquor liability offered as standalone coverage?Yes. Liquor liability can be written as a mono-line policy or included as part of a packaged solution.
Need help placing an account? Connect with a market specialist.
https://completemarkets.com/company/kandkinsurance/Sport-Instructor-Insurance/