Hospitality

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 tasting
• 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 and 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

FINANCIAL SECURITY

• AM Best rated A++
• Standard & Poor’s assigned A+