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.

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+