Hospitality - Primary Department- Philadelphia Insurance Companies


PHLY E&S provides comprehensive CGL and Property Coverages for small to mid-size hospitality risks


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

For new business inquiries, please call 855.585.6322 or submit an application:

Wholesalers: To

Retail Agents: Directly to your local Marketing Representative/Account Associate.

Regional Office List

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


  • 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

Financial Security

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

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