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At Monarch E&S Insurance, we specialize in placing coverage for establishments that serve alcohol. Our focused Bar and Tavern Insurance program helps agents and brokers place risks for bars, taverns, and restaurants that derive more than 30% of revenue from alcohol—even accounts with dance floors, live entertainment, or other elevated exposures. Overview of the Program From Monarch E&S Insurance Monarch E&S acts as a Managing General Agency and Excess & Surplus Lines broker, providing access to multiple non-admitted markets. This program is designed to offer flexible, competitive options when admitted carriers are not a fit because of the account’s risk profile, claims history, or unique operations. We accept submissions from agents and brokers writing business in Arizona, California, Hawaii, Nevada, and Texas. Ideal Accounts and Appetite This program works well for hospitality accounts with meaningful alcohol exposure, including: Bars and taverns with alcohol sales exceeding 30% Restaurants holding full liquor licenses Venues with live music, DJs, or dance floors Late-night operations and high-foot-traffic sports bars Typical fits include sports bars that host events and restaurants with a nightclub-style atmosphere. Accounts with disciplined security, established age-verification procedures, and proactive loss controls are more likely to secure favorable terms. Coverage Highlights and Advantages Key features available through this program: Primary General Liability limits up to $3,000,000 occurrence/aggregate Excess or Umbrella Liability limits available up to $25,000,000 Assault and/or Battery coverage available, subject to sublimits No production requirement — suitable for agents with occasional hospitality risks Phone indications available for faster preliminary pricing Underwriting Notes and Minimum Premiums Underwriting focuses on controls that reduce liquor liability exposure: security staffing, door policies, training, incident reporting, and tenant/lease language where applicable. We look closely at past liquor- and violence-related claims, frequency of late-night incidents, and capacity limits. Minimum premiums: $500 for monoline General Liability and $750 for package policies. Final pricing depends on exposure, location, limits, and loss history. Territories and Availability This non-admitted program is available in: Arizona (AZ) California (CA) Hawaii (HI) Nevada (NV) Texas (TX) Because this is an E&S solution, it is a good option when admitted carriers decline an account due to unique exposures or an adverse loss record. Why Work With Monarch E&S Insurance? Monarch E&S brings deep experience in excess & surplus markets and hospitality underwriting. As a wholesale partner, we provide access to multiple carrier appetites, quick turnarounds on submissions, and underwriting guidance tailored to bar and tavern exposures. Whether you’re placing a single high-risk tavern or managing a portfolio of nightlife businesses, our team supports you through placement and binding. Contact us today for assistance placing Bar and Tavern accounts. Need help placing an account? Connect with a market specialist. Frequently Asked Questions What types of accounts are a good fit for this program?This program is best for bars, taverns, and restaurants where alcohol sales exceed 30% of revenue—especially those with live entertainment, dance floors, or late-night operations. Is Assault and Battery coverage available?Yes. Assault and/or Battery coverage can be included, typically subject to sublimits. Availability and terms depend on the account’s exposures and controls. What states is this program available in?The program is available in Arizona, California, Hawaii, Nevada, and Texas. What are the minimum premiums?Minimum premiums are $500 for monoline General Liability and $750 for package policies. Final premium depends on limits, operations, and loss history. Do you require a production commitment to access this program?No production requirement is needed. We accept single accounts as well as ongoing submissions from brokers with hospitality business.

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10, 20, 30 Year Renewable & Convertible Term Life Insurance We know that it is impossible for life insurance to emotionally compensate for a loss, but it will ease the financial burden that can occur. APL’s life insurance is secure, dependable coverage that will serve well in a time of need. APL’s Worksite Life plans provide easy access to valuable life insurance coverage. Available through payroll deduction, these individual plans can be continued at no increase in cost when an insured leaves employment. What’s more, APL's Term Life plans provide an affordable rate that is guaranteed not to increase during the initial term period of 10, 20, or even 30 years. Highlights (Policy Form RCLT07 Series): Affordable premiums Easy application with minimal health questions* Nicotine and non-nicotine rates Policy is renewable at the end of the term period until the insured reaches age 90. The premium rate is adjusted on each renewal. Policy is convertible to a whole life insurance policy before the policy anniversary following age 75. Contact APL for more information on this product * Issuance of the policy may depend on the answers to these questions. The information contained on this product page generally highlights the important features of the particular product listed and does not constitute a statement of contract, nor a complete description of the conditions, benefits, limitations, exclusions and other terms of coverage. The product listed and/or all benefits may not be available in all states and coverage is subject to all applicable policy provisions as authorized by the proper state regulatory authorities. For more complete information, please consult the terms of the product policy form approved in your state or contact us. For Agent Use Only. Not For Consumer Distribution.