Target Classes

• Bars & taverns
• Beer gardens, microbreweries, and microdistilleries
• Restaurants
• Hotels/ Casinos
• Catering halls
• Wine tastings
• Whiskey bars
• Comedy clubs

Targeted Characteristics include

• Local establishments
• Single or multi-locations
• Privately owned or chains
• Product Liability for brewing exposures or retail sales
• Restaurant, hotel, theater, and bar exposures
• Alcohol sales up to 100% of receipts

Unacceptable Classes

• Nightclubs (may be eligible for monoline property)
• Gentlemen's clubs
• College bars
• Pyrotechnics

Coverages/ Capacity

Commercial General Liability - $1M each occurrence

• Assault & Battery Coverage available up to policy limits for acceptable risks
• Employee Benefits Coverage available
• Additional Insured - Managers Or Lessors Of Premises

Liquor Liability - $1M each common cause

Property

• Commercial Property Coverage up to $10M per risk
• Ability to write coastal risks including Wind & Hail Coverage [depending on state and distance to coast]
• Equipment Breakdown including Spoilage Coverage available as optional coverage
• Property Enhancement Endorsement available including Money & Securities, Backup of Sewers and Drains, and other additional coverages

Excess Casualty

• AM Best rated A++
• Standard & Poor's Assigned A+