Hospitality - Primary Department- Philadelphia Insurance Companies

Hospitality

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

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

Kristin Stein, VP
Product Manager
Kristin.Stein@phly.com

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

Wholesalers: To ESsubmissions@phly.com

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

Regional Office List

Target Classes

  • Restaurants with liquor sales < 50%
  • Beer gardens
  • Microbreweries, and micro-distilleries
  • Small Boutique Hotels/Motels < 100 rooms
  • Catering halls
  • Bowling Alleys
  • Package/liquor stores
  • Wine tastings
  • Comedy clubs

Targeted Characteristics include

  • Local establishments
  • Single or multi-locations
  • Product Liability for brewing exposures or retail sales
  • Restaurant, hotel, theater, and bar exposures
  • Alcohol sales up to 50% of receipts

Unacceptable Classes

  • Nightclubs (may be eligible for monoline property)
  • Gentlemen's clubs
  • College bars
  • Pyrotechnics
  • Locations with alcohol sales >50%

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

Financial Security

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

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