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...neral Agency offers a specialized Bakery Insurance program designed to meet th...e sales are all strong fits. Are new bakery businesses eligible for coverage?Y...

...s. Active class codes include: • Bakery – Salesperson & Driver (2003) • Drive...

...t, or a small chain with deli and bakery operations, this program offers custo... retail food operations with deli or bakery components are all within our targ...

...t Cleaning • Fence Installation • Bakery • Electrician • Healthcare • Convenie...y see as an agent: A neighborhood bakery with property, general liability a...

...ne roof. Whether you're quoting a bakery, a regional distributor, or a retail ...

... Scenarios You have a regional bakery with refrigerated inventory and modes...

...rior large losses or a commercial bakery expanding into multiple states—both a...

Advanced E&S is a Managing General Agency and Surplus Line Brokers. We are able to underwrite many different commercial classes for property and casualty insurance in the Midwest states (either by package or monoline product). Restaurants Insurance Coverages: Assault & Battery Boiler & Machinery Business Income Business Interruption Care/Custody/Control CGL Crime Equipment Breakdown Fine Arts Fire Food Spoilage GL Glass Inland Marine Legal Liab Liability Liquor Liab Nonowned & Hired Auto Personal Property Products Liab Property Real & Business Personal Prop Spoilage Theft Umbrella Overview of Advanced E&S Group — Restaurants Insurance Advanced E&S Group - Midwest Region offers a restaurants insurance program designed for independent agents and brokers placing commercial restaurant, bar, and foodservice risks. As a Managing General Agency and Excess & Surplus lines broker, Advanced E&S leverages a panel of specialty carriers to provide flexible property and casualty placements when admitted markets are limited or not available. Ideal Accounts and Appetite Independent full-service restaurants and casual dining locations Quick-service and fast-casual concepts Cafés, bakeries, caterers, and small commissaries Bars, taverns, and venues that serve alcohol (subject to underwriting) Small brewery taprooms, wine bars, and hybrid food/beverage operations Advanced E&S is well suited for accounts that need packaged property & liability programs or tailored monoline products (e.g., liquor liability, equipment breakdown, spoilage). While the program is focused on typical restaurant operations, higher-hazard accounts—such as large capacity nightclubs, properties with significant history of violent incidents, or operations with substantial pyrotechnics or manufacturing exposure—should be submitted for prior discussion with underwriters. Coverage Highlights and Advantages Comprehensive coverage options: property, general liability, liquor liability, equipment breakdown, crime, spoilage and food contamination, inland marine, and more. Ability to place both package and monoline solutions to address specific exposures (example: standalone liquor liability or equipment breakdown endorsements). Access to surplus lines capacity for accounts that exceed admitted market guidelines or require tailored terms. Policy features geared to restaurants: spoilage/food contamination limits, business income for closed-for-cleanup scenarios, and assault & battery coverage where appropriate. Umbrella and excess layers available through partner carriers to round out limits. Underwriting Notes and Minimum Premiums Underwriting focuses on loss history, alcohol exposure and controls, kitchen and fire protection systems, payroll and revenue mix, and any delivery/drive-through exposures. Exact terms and pricing depend on the account profile and selected markets. Minimum premium: Varies by state and carrier — please reference the underwriter for current minimums and program guidelines. Territories and Availability This restaurants insurance program is available across the following states: CT, FL, IA, IL, IN, KS, KY, MI, MN, MO, NE, NJ, NY, OH, PA, VA, WI. Placements are handled through surplus lines channels where appropriate; admitted options may not be available in every state. Why Work With Advanced E&S Group Specialized MGA/E&S broker expertise for restaurant and foodservice classes. Responsive underwriting and flexible forms to match operations from small cafés to busy neighborhood restaurants. Access to multiple surplus markets to place difficult or nonstandard risks. Agent-focused service: detailed submissions are reviewed promptly, and underwriters can provide guidance on risk improvements to improve terms. Example Scenarios You might have a single-location bistro with dine-in, takeout, and modest liquor sales that needs a packaged property/liability program with spoilage coverage and liquor liability. Advanced E&S can quote a tailored package. Or, you may represent a fast-casual chain with multiple locations that needs equipment breakdown and business income for a high-value kitchen—this program can place those monoline exposures through surplus markets when needed. Frequently Asked Questions What types of restaurant accounts does this program prefer?We prefer independent and small chain restaurants, quick-service and casual dining, cafés, bakeries, and bars with controlled alcohol exposure. Large nightclubs, venues with chronic violent loss history, or operations with unusual manufacturing exposures should be discussed with underwriters prior to submission. Are both package and monoline coverages available?Yes. Advanced E&S can provide packaged property & liability programs or individual monoline products such as liquor liability, equipment breakdown, spoilage, and inland marine depending on the account needs. Is this an admitted program?Advanced E&S operates as an MGA and surplus lines broker. Many placements are written through non-admitted (E&S) carriers. Availability of admitted options depends on state and carrier appetite. What information should I include in a submission?Provide a completed application, current loss runs (usually 3–5 years), revenue and payroll breakdown, details on alcohol sales and controls, description of kitchen equipment and suppression systems, and any prior risk-control measures. The underwriter can request additional items based on the account. Need help placing an account? Connect with a market specialist.

Restaurants, Bars, Taverns Insurance Comprehensive Market Access for Hospitality Risks Ck Specialty Insurance Associates, Inc. offers a robust Restaurants, Bars, and Taverns Insurance program tailored to meet the needs of hospitality-focused retail agents. Whether you’re placing a family-style restaurant or a bar with live entertainment, Ck Specialty provides flexible and competitive solutions through their extensive market access. Ideal Accounts and Appetite Ck Specialty welcomes a wide range of hospitality classes, including but not limited to: Ø Family Restaurants Ø Caterers and Catering Trucks Ø Bars and Neighborhood Taverns Ø Social Clubs and Fine Dining Establishments Ø Delicatessens and Adult Entertainment Venues Ø Risks featuring dance floors, DJs, or live entertainment If you have clients in the food and beverage space with unique risk profiles or hard-to-place exposures, this program is designed to help meet those needs. Coverage Highlights and Advantages Coverages offered include, but are not limited to: Ø General Liability Ø Excess Liability Ø Property Ø Liquor Liability Ø Limited Assault & Battery You can confidently address the exposures of hospitality businesses that serve alcohol, host events, or experience high foot traffic, knowing you have access to comprehensive coverages through A-rated carriers. Underwriting Notes and Minimum Premiums Ck Specialty Insurance works with over 40 contracted markets, ensuring options tailored to different risk profiles. Minimum premiums typically start at $750, depending on the risk type and coverage structure. Both in-house binding authority and open brokerage markets are available, giving you the flexibility to place both standard and more complex or distressed accounts. Territories and Availability This hospitality program is currently available in Idaho, Washington, and Nevada. As a Western-state focused MGA and Surplus Lines Broker, Ck Specialty supports agents in accessing solutions throughout this regional footprint. Why Work With CK Specialty Insurance? Family-owned and operated, Ck Specialty Insurance is a trusted wholesale partner for independent agents seeking responsive service and hard-to-find hospitality markets. With access to both domestic and London-based markets, and a commitment to helping agents find competitive solutions, Ck Specialty is your go-to resource for Restaurants, Bars, and Taverns coverage. Whether you're placing a neighborhood bar with liquor sales or a fine dining restaurant with entertainment, Ck Specialty opens the door to solutions you can count on. Ck Specialty Insurance: Opening market doors…for you. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for restaurants, bars, taverns, catering businesses, social clubs, adult entertainment venues, and locations with live entertainment or dance floors. Is this program admitted or non-admitted?This is a non-admitted program written through A-rated carriers, including both domestic and London markets. What is the minimum premium?Minimum premiums generally start at $750, depending on the type of risk and coverage needed. What states is this program available in?Ck Specialty currently offers this program in Idaho, Washington, and Nevada. Do you have binding authority or is this brokerage only?Ck Specialty offers both in-house binding authority and access to brokerage markets, giving agents flexibility in how they place accounts. Need help placing an account? Connect with a market specialist.