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

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