Hospitality

PHLY E&S will selectively entertain and tailor coverage for establishments within sections of the hospitality industry including the selling, serving, or furnishing of alcoholic beverages.

Underwriting Contact

Scott Bayer, SVP
Product Manager
Scott.Bayer@phly.com

For new business inquiries, please call 855.585.6322 or submit an application to ESsubmissions@phly.com.

Brochure - Hospitality Industry internalLink

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

Applications

Application - Bars and Taverns SupplementalinternalLink

Financial Security

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

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