The main classes of business that we are profiling in this month's column are hotels, bars and restaurants. In some instances they are one in the same as one location could contain one or all three of these risks. All will require general liability and some form of property coverage for building and/or contents.
Hotels may have other operations on premises as part of the named insured's business, or as vendors or concessionaires. Those operations could include gift shops, barber/beauty shops, health clubs, limo service, and food establishments. If your client caters to the resort crowd, it is not uncommon to have recreational vendors that offer trail or horseback riding, hiking, water sport rentals, trap and skeet, and snowmobile rental. The hotel is an obvious target, but many agents have problems placing the auxiliary operations. Being able to place coverage for these smaller operations may bring success in acquiring the major account.
Hotels, bars and restaurants also share some of the same underwriting concerns, among which are liquor liability, slips and falls, cooking facilities, and food-borne illness. The hotel's size and focus can add other underwriting concerns to the list. At one time, swimming pools almost put hotels beyond any reasonable pricing until diving boards were removed from the pool area. Underwriters still pay close attention to the pool portion of the risk, looking at fencing, hours of operation, attendants on duty, maintenance of hot tubs and pool rules such as "No glass containers allowed in the pool area." Boilers and heating units need close inspection as well as do sprinkler systems, smoke detectors, and fire extinguishers.
Hotel fires, of course, impact property and lives, and the hotel industry has experienced some major fire losses. The fire at the old MGM Grand in Las Vegas in 1980 resulted in 84 dead and more than 700 injured--and ultimately in the setting of standards for construction, safety equipment, and evacuation procedures for the hotel business. However, the San Juan Dupont Plaza in 1996 left 98 dead and 144 injured.
Hotel employees should be trained in depth on evacuation procedures. What happens at 3 a.m. when the hotel must be evacuated? Calling guests in their rooms will assist but what of the hearing impaired? Elevators will shut down and the stairs must be utilized. Evacuation instructions must be prominently displayed to guide guests to safety.
The type of clientele the hotel caters to will lead to additional concerns. Are convention facilities a large portion of the hotel's business? With extra people, some not guests of the hotel, the exposures to slip and falls, food-borne illness, liquor liability, parking garages/lots and valet parking are turned up a notch. Extra security also will be required.
The financial picture of each of these risks is critical. For example, one-third of restaurants will fail in the first 12 months, half of the remaining the second year, and after five years 80% have been sold or have gone out of business. Hotels need a 65% occupancy rate per year to be profitable. No carrier wants to finance a sale or retirement plan through the fire coverages of the policy. When prospecting in this niche, don't rule out a national chain. Chances are that at least one of these in your town is not a company-owned facility. Several corporations specialize in hotel, motel and restaurant ownership or franchises.
Restaurants have not always enjoyed overall excitement in underwriting circles due to a history of fire losses--which usually are totals. Grease fires are a major factor. Check the grease traps to see that they are emptied on a regular basis. Most carriers will require an automatic fire extinguishing system over the cooking areas. In some ethnic cuisine establishments, tableside cooking is part of the attraction; but it also may cause a fire and injury to customers. Some cities or towns may require a permit for this activity.
Workers compensation underwriters will perk up at the sight of a restaurant submission. Burns, cuts, and slip and falls are commonplace in the bar and restaurant business. Procedures to keep spills of liquids cleaned up will minimize injuries. On-site safety training can impact losses involving the mishandling of hot utensils and sharp instruments. Food handlers need to be schooled in storage of perishables, especially meats, and in how to ward off E-coli type outbreaks. Also track the origin of the produce and meat products in the event of such a problem. This can establish where the source of the infection originated.
Inspection of glassware can eliminate customer injuries. Although the injuries caused by chipped or cracked glassware may be minor, they can be major with a jury. Employee theft in the restaurant/bar business also is a concern. Opportunities can be narrowed if customers pay at the register instead of paying the server. Upscale dining usually will entail coat checks and valet parking, both of which present additional exposures. In many of the hotels and even eating establishments, the display of high-value items such as paintings and sculptures will present the opportunity to provide fine arts coverages. The more opulent the hotel or restaurant, the greater the chances for large glass and sign schedules. This would apply especially in the case of resort locations and upscale eateries.
The bar category ranges from the neighborhood "mom and pop" taverns, to nightclubs, theme clubs, and brew pubs. Coverage needs will include general liability, property, liquor liability and business interruption; but specific coverages such as assault and battery for nightclubs and ATF bonds for brew pubs can be critical. Some policies will have limited assault and battery while others will permit the issuance of the policy without that exclusion. Brew pubs that bottle and sell off premises would also be exposed to product recall which can be obtained as an option with some carriers.
In all cases where employees of the business serve liquor, it is strongly advised to send them to TIPS (training for intervention procedures) which will minimize your liquor liability claims, reduce premiums, and increase acceptability of the risk. Other considerations for bars include satellite dishes, artificially generated current, local ordinance, equipment breakdown, and innkeepers liability. The market for the hospitality niche seems to be very wide and competitive with an abundance of capacity.
Following is a list of the markets that responded to our survey and indicated that they specialize in all or a portion of the three main components of this industry. Refer to specific territories, coverages, and target markets listed.
American Underwriters Agency, Inc.
4343 Lincoln Hwy., Ste. 310
Matteson, IL 60914
Contact: Margaret Abert
Phone: (708) 748-9550
Fax: (708) 748-9540
E-mail: AUAHOME@aol.com
An MGA operating in Illinois and Indiana and expanding nationwide in 1999. Limits up to $5 million on GL and $2 million on property. Utilizing various carriers, they will entertain most risks.
Baldinger Insurance Services
22 Village Square
New Hope, PA 18938
Contact: Sanford Baldinger
Phone: (800) 877-2348
Fax: (215) 862-4505
An agency operating nationwide with $1 million on primary and up to $50 million on umbrella. Target markets include risks with high liquor receipts. Liquor liability, assault and battery, and workers compensation placed with various A++ surplus lines markets.
Bolton & Co.
1045 Starks Bldg.
Louisville, KY 40202
Contact: Sandy Ballard or Greg Allgeier
Phone: (800) 292-6597
Fax: (502) 584-6131
E-mail: gaabolton@aol.com
Web site: www.bolton.mga.com
An MGA operating in IL, IN, KY, OH and TN targeting bars, taverns, and restaurants. Limits will vary by account on liability, property and liquor liability on an occurrence form. Various A+ carriers are utilized.
Russell Bond & Company, Inc.
866 Ellicott Square
295 Main St.
Buffalo, NY 14203
Contact: Claude Grabsk,
ASLI, Ext. 146
Jeff Latke, Ext. 147
Phone: (800) 333-7226
Fax: (716) 856-0403
E-mail: info@rbcoins.com
An MGA operating in New York state, with limits up to $3 million on primary plus up to $10 million on excess. Property with large capacity. They will consider all risks for general liability, property, liquor, umbrella and excess, hired and non-owned auto. Carriers include Scottsdale, First Financial, Chubb, USLI, and Colony, all A-rated and above.
R.J. Bostick & Associates, Inc.
38029 Third St.
Willoughby, OH 44094
Contact: Robert Bostick, Jr.
Phone: (800) 969-2463
Fax: (440) 942-3363
An E&S broker writing in all states, Puerto Rico, and U.S. Virgin Islands. Bar, restaurants and taverns outside Ohio will have a minimum premium of $5,000. Various A-rated carriers are used to place all classes of hospitality business for property, casualty and liquor liability.
Brokers Surplus Agency N.A., Inc.
701 Horsham Rd.
Horsham, PA 19044
Contact: Dennis Marsaglia
Phone: (215) 443-9900
Fax: (215) 443-7748
An MGA/E&S broker operating in New Jersey and Pennsylvania, targeting restaurants, taverns, hotels/motels, delis, pizza parlors,
and coffee shops. Limits on GL are
$1 million occurrence/$2 million aggregate/$2 million products aggregate; property $2.5 million; and liquor liability $1 million occurrence/$2 million aggregate. Various A-rated admitted and nonadmitted carriers are used to place coverages. Coverage enhancement endorsement is available specifically designed for restaurant/tavern.
Burns & Wilcox, Ltd.
30833 Northwestern Hwy., Ste. 220
Farmington Hills, MI 48334
Contact: Home Office for local branch
Phone: (800) 521-1918
Fax: (248) 932-9050
An MGA/E&S broker operating in all states except HI, ME, MA, NJ and NY. Limits are $2 million/$2 million primary, $2 million on property and excess available on both. Various carriers are used to place coverages.
CNA E&S
200 S. Wacker Dr., 23rd Floor
Chicago, IL 60685
Contact: Kathy Szur
Phone: (312) 876-4536
E-mail: kathy.szur@cna.com
Web site: www.cna-es.com
An insurance company targeting taverns, restaurants, and package stores in the states of AL, AZ, CO, CT, FL, GA, IL, IN, IA, ME, MA, MI, MN, MO, NH, NJ, NM, NY, NC, ND, OR, PA, RI, TX, UT, VT, and WA. Limits of $1 million/$2 million available, depending on the state. Carriers are Columbia Casualty and Transcontinental.
Carnegie Insurance Service Corporation
17700 Broadway
Cleveland, OH 44146
Contact: Scot Russell
Phone: (800) 362-2411
Fax: (440) 439-5551
9111 Broadway, Ste. 11
Merrillville, IN 46410
Contact: Karen Bynum
Phone: (800) 558-8108
Fax: (219) 736-9317
An MGA operating in IL, IN and OH, targeting restaurants, bars, taverns, and nightclubs(including adult entertainment) with limits of $1 million/$2 million on liability. Umbrella, liquor, and workers compensation also available. All carriers are A-rated or better.
Century Surety Group
2400 Corporate Exchange Dr.,
Ste. 290
Columbus, OH 43231
Contact: Tim Gordon
Phone: (800) 878-7389
Fax: (614) 895-7036
Web site: www.centurysurety.com
An insurer with coverages available in all states except ME, MA, NH, NY and RI. Limits of
$1 million on primary and up to
$5 million on excess/umbrella. Liquor liability with a maximum limit of
$1 million is written on occurrence and claims-made form. Restaurants, taverns, and bars are targeted but no nightclubs.
Colony Management Services, Inc.
9201 Forest Hills Dr., Ste. 200
Richmond, VA 23235
Contact: Matt Nichols
Phone: (800) 577-6614, Ext. 1771
Fax: (804) 327-1792
E-mail: mnichols@colonyins.com
Web site: www.colonyins.com
An insurer with coverages available in all states except CT, DE, NH, NJ, NM and RI. Limits of $1 million and up on restaurants, taverns, hotel/motels, and family dining (no nightclubs). An A-rated carrier.
Continental Bloodstock Agency, Ltd.
1818 Versailles Rd.
Lexington, KY 40504
Contact: Richard Grossman
Phone: (606) 233-1818
Fax: (606) 255-7506
E-mail: continental-horse@worldnet.att.com
Web site:
www.equineinsurance.com
An MGA providing equine coverages for saddle animal liability, trail rides, and outfitters and guides. Limits of $500/$1 million on primary and umbrella available. Coverages are available in all continental 48 states. Carriers are Great American, Travelers, Gen Star and Credit General.
Crusader Insurance Company
23251 Mulholland Dr.
Woodland Hills, CA 92364
Contact: Mark Neiman
Phone: (800) 669-9800
Fax: (818) 591-9856
An insurer, A-rated, operating in AZ, CA, CO, KY, MT, NV, OR, PA and WA, with $3 million in limits for bars, nightclubs, restaurants, micro brewers, and hotels/motels. Liquor legal liability available.
Delaware Valley Underwriters
Agency, Inc.
420 S. York Rd.
Hatsboro, PA 19040
Contact: Jan Varalli/Sharon Manwaring (NJ)
Phone: (800) 388-0215
Fax: (215) 672-7983
E-mail: info@dvua.com
Web site: www.dvua.com
An MGA/E&S broker writing in DE, MD, NJ, NY, OH, PA, VA and WV, targeting restaurants, taverns of all types. A-rated carriers are utilized to place liability, liquor liability, property, and hired and non-owned auto. Limits will vary by risks.
Downstate Broker's Market
20 Broad Hollow Rd., Ste. 3008
Melville, NY 11747
Contact: Judy Berrios, Underwriting V.P.
Phone: (800) 999-2151
Fax: (516) 427-0386
E-mail: JudyBerrios@
DOWNSTATEGROUP.COM
Web site: www.DOWNSTATEGROUP.COM
An MGA operating in CT, NJ, NY and PA. With limits of $1 million and up. A-rated carriers are utilized to place across-the-board hospitality risks.
Entertainment Brokers International
10940 Wilshire Blvd., 17th Floor
Los Angeles, CA 90024
Contact: Bill Cody
Phone: (310) 824-0111
Fax: (310) 814-5733
A general agent/E&S broker operating in all states placing all classes of leisure business with Acceptance Insurance, Legion Insurance, and Fireman's Fund. Up to $20 million in limits are available for these classes except no mechanical devices. Property and workers compensation also written.
First Specialty Insurance Corp.
101 Arch St., Ste. 1103
Boston, MA 02110-1103
Contact: Lois Massa AVP Marketing Manager
Phone: (800) 526-4759
Fax: (617) 748-5378
An insurer with limits of
$1 million/$2 million on primary,
$25 million on property, and
$10 million on package or monoline basis. Targets are nightclubs in all states except Missouri. First Specialty Insurance Corporation is A+ rated.
Fulcrum Insurance Company
199 Water St., 20th Floor
New York, NY 10038
Contact: Deborah Brady SVP & Marketing Director
Phone: (212) 248-1886
Fax: (212) 480-1328
E-mail: us7dvdbl@ibmmail.com
Web site: www.fulcrumins.com
An E&S insurer domiciled in New York state offering coverage in all states including DC except ME, NH and VT, plus Puerto Rico, U.S.
Virgin Islands, and Guam. Limits of $1 million occurrence/$2 million aggregate on casualty and up to
$10 million property are offered. Target markets are small to middle-sized hotels/motels, catastrophe exposed for property and a broad range of sub-classes, restaurants, bars, clubs and adult entertainment for casualty. The company is an A-rated carrier.
Donald Gaddis Company, Inc.
150 S. Wacker Dr., Ste. 600
Chicago, IL 60606
Contact: Trevor Gaddis
Phone: (312) 853-0071
Fax: (312) 853-1033
An E&S broker operating in Illinois and Wisconsin, and providing up to $10 million in limits. Coverages include casualty, property, and
liquor liability. Carriers are Lloyd's, Scottsdale, and First Financial, all
A-rated.
The GAINSCO Companies
500 Commerce St.
Fort Worth, TX 76102
Contact: Marketing Department
Phone: (800) 438-4246
Fax: (817) 335-1230
E-mail: marketing@gainsco.com
Web site: www.gainsco.com
An insurer operating in all states except Hawaii and Maine. Offering casualty limits of $1 million occurrence/$3 million aggregate,
$1 million liquor liability. Commercial auto is offered but nightclubs are not written.
The Garn Group, Inc.
219 E. 31st St.
New York, NY 10016
Contact: Lisa Garn
Phone: (212) 683-4766
Fax: (212) 683-4765
E-mail: lisagarn@garngroup.com
Web site: www.garngroup.com
An MGA operating in all states, offering coverages for institutional stables and boarding stables. Limits are $300/$600, $500/$1 million,
$1 million/$2 million with higher limits available. A-rated Reliance National Indemnity is the carrier.
Gillingham & Associates, Inc.
1495 Pine Grove Rd., Ste. 101
Steamboat Springs, CO 80487
Contact: Glenn Sudol, Underwriting Manager
Phone: (970) 879-9633
Fax: (970) 879-2891
Web site: www.outdoorinsurance.com
An MGA operating in all states
and Canada, with limits of up to
$5 million on casualty. Other coverages include property, inland marine, wet marine, crime, auto and umbrella for resorts, fishing and hunting lodges, outfitters and guides, riding stables, and trap and skeet ranges. Capacity for frame unprotected property through appointed agents and brokers. Carriers are Gulf Insurance Group and Legion Insurance Company for workers compensation.
L.E. Harris Agency, Inc.
P.O. Box 8330
Langley Park, MD 20787
Contact: Cindy Milburn
Phone: (800) 382-4709
Fax: (301) 439-5800
An MGA operating in DE, DC, MD and VA, targeting family restaurants, neighborhood taverns, nightclubs with music, and upscale eateries. Limits of liability $3 million/$3 million, unlimited on property, liquor liability, food spoilage, limited assault and battery, equipment breakdown, and non-owned auto are placed with Penn-American and Monticello,
A-rated.
Izzo Insurance Services, Inc.
7234 W. North Ave.
Elmwood Park, IL 60707
Contact: Michael C. Jones
Phone: (800) 800-1704
Fax: (708) 452-1777
An agency writing in all states, providing workers compensation on a statutory basis and employers liability up $2 million/$2 million/
$2 million for all classes. The carrier is Casualty Reciprocal.
M.D. Jensvold & Company, Inc.
13105 Northwest Freeway, Ste. 790
Houston, TX 77040
Contact: Marcus Jensvold
Phone: (800) 635-7406
Fax: (713) 939-0560
E-mail: mdjcol@pdq.net
An MGA/E&S broker providing limits of $1 million/$2 million/
$1 million on casualty and up to
$5 million on property. Liquor liability also available. Coverages are available in CO, LA, NM, OK and TX.
Jimcor Agencies
15 Ver Valen St.
Closter, NJ 07624
Contact: F. J. Mastowski
Phone: (201) 784-8900
Fax: (201) 784-7901
An MGA/E&S broker operating in NJ, NY, PA and other northeastern states, providing limits up to $25 million in casualty. All classes of the hospitality industry are written. EPL, liquor liability, and coastal property are also available. Carriers include Scottsdale, Interstate, Penn-American, Jefferson, Admiral, Nautilus, Investors, and Essex, all
A-rated.
K&K Insurance Group, Inc.
1712 Magnavox Way
Fort Wayne, IN 46804
Contact: Doreen Wachenschwanz, Brew Pubs
Brew Pubs Phone: (800) 440-5580
Fax: (219) 459-5821
Ron Norton, Outfitters and Guides
Outfitters and Guides Phone: (800) 553-8368
Fax: (219) 459-5624
Web site: www.kandkinsurance.com
An MGA operating in all states and Canada, placing coverage with TIG Insurance Group, an A-rated carrier. Limits up to $25 million are available on both programs. Product recall, food spoilage, and food-borne illness are available for brew pubs. Outfitters and Guides includes trail rides and hiking exposures.
H.R. Keller & Company, Inc.
1520 Sheridan Dr.
Buffalo, NY 14217
Contact: John Barton
Phone: (800) 424-2202
Fax: (716) 874-4920
An MGA operating in New York, offering $1 million on the primary plus umbrella for all types of restaurants, taverns, including dance floors, live entertainment, and seasonal. Various carriers are used to place this coverage.
LMS Insurance Services, Ltd., Inc.
P.O. Box 553
Shawnee-On-Delaware, PA 18356
Contact: Steve Merhige
Phone: (800) 736-2249
Fax: (570) 223-7113
An agency and E&S broker operating in MD, NJ, NY, PA and VA, offering coverage for resorts, hotels, timeshares, and restaurants. Limits of $1 million/$2 million on casualty is available along with liquor liability umbrella, and EPL. Numerous
A-rated carriers are utilized.
McSweeny Agency
505 High St.
Burlington, NJ 08016
Contact: Richard McSweeny
Phone: (800) 546-6454
Fax: (609) 387-7171
An E&S broker operating in New Jersey and Pennsylvania, with limits of $1 million/$2 million on primary, excess to $10 million, and property up to $35 million. Various carriers are utilized to place coastal property, inner city, gentlemen's clubs, sit-down and take-out restaurants.
Miami Valley Excess & Surplus Agency, Inc.
P.O. Box 29
Miamisburg, OH 45342
Contact: Craig Yuskewich
Phone: (800) 445-9863
Fax: (888) 438-9834
E-mail: mves@att.net
Web site: www.mves.com
An MGA operating in IN, KY, OH, TN, VA and WV, providing limits of $1 million/$2 million for primary plus excess, spoilage, liquor liability, glass, crime, and property. Target markets include small customer area with high sales volume. Carriers are Century Surety, First Financial, Preferred National, Colony, and Frontier, all A-rated.
National Insurance Professionals Corporation
1040 N.E. Hostmark St., Ste. 200
Poulsbo, WA 98370
Contact: Jamie Augustine, Manager
Commercial Department
Phone: (800) 275-6472
Fax: (360) 697-3688
E-mail: insurance@nipc.com
Web site: www.nipc.com
A program administrator offering $1 million occurrence/$2 million aggregate, $1 million liquor liability, property, inland marine, signs, food spoilage and excess liability in AZ, CA, NV, OR and WA. Target markets are taverns and hotels placed with CBIC, an A-rated carrier.
North Island Facilities, Ltd./NIF Services
30 Park Ave.
Manhasset, NY 11030
Contact: Dan Mogelnick
Phone: (800) 892-8892
Fax: (516) 365-7392
E-mail: nifemail@aol.com
A general agent/E&S broker providing limits of $1 million on primary and up to $10 million on property in the northeast U.S. Various carriers are utilized.
Pennock Insurance, Inc.
P.O. Box 2000
Chadds Ford, PA 19317
Contact: Lorraine Muldowney
Phone: (800) 662-5182
Fax: (610) 358-3449
An MGA/E&S broker operating in DE, MD, NJ and PA, providing limits of $1 million/$2 million on liability and $1 million plus property and liquor liability. Several A-rated carriers are utilized to place all classes of this business except nightclubs.
Phoenix Enterprises
P.O. Box 136
Morrison, CO 80465
Contact: Kiki Moore/Stan Moore
Phone: (800) 382-2128
Fax: (303) 969-8435
A wholesale intermediary operating in the Rocky Mountain states placing coverage with several carriers. Limits available are $2 million/$4 million primary and $1 million/$1 million on liquor liability. Most classes entertained, no mechanical bulls.
Prime Insurance Syndicate
311 S. Wacker Dr., #3360
Chicago, IL 60606
Contact: Tom Balz, Chicago
Phone: (800) 456-4576
Fax: (312) 408-8081
Salt Lake City: (800) 257-5590
Fax: (801) 304-5525
Web site: www.primeis.com
An insurer considering all classes including liquor liability. Limits are $100,000 to $2 million on primary with up to $10 million on excess. Lloyd's of London is the insuring paper used.
Quaker Special Risk
P.O. Box 415
Sea Girt, NJ 08750
Contact: Mike Walsh, Pam Thoman, Heidi Echelberger
Phone: (800) 447-4180
Fax: (732) 223-9072
Web site: qsr.insurance.com
An MGA/E&S broker operating on the Eastern Seaboard and considering most classes of this niche. High limits are available on liability, equipment breakdown, liquor liability, property, and crime. A-rated carriers are utilized.
Roehrig & MacDuff
100 2nd Ave. S., Ste. 601
St. Petersburg, FL 33701
Contact: Sara Todd, St. Petersburg
Phone: (800) 456-6366
Fax: (727) 823-4488
Contact: Kathy Morgan, Daytona
Phone: (800) 342-6385
Fax: (904) 257-5799
An MGA/E&S broker operating in Florida and Georgia, placing general liability, property, liquor liability (monoline), with the following carriers: Alliance General, Century Surety, Colombia Casualty, Essex, Great Lakes Re, Northland, Regis, and Unionamerica.
Roush Insurance Services, Inc.
P.O. Box 1060
Noblesville, IN 46061
Contact: Jerry Roush
Phone: (800) 753-8402
Fax: (317) 776-6891
An MGA writing in Illinois and Indiana, with limits of $3 million on primary liability and $1 million on property, liquor liability and workers compensation. All classes are considered. Carriers include Scottsdale, Acceptance, American Equity, Gainsco, Century Surety, and AXA, all A-rated.
W.A. Schickedanz Agency
P.O. Box 445
Belleville, IL 62222
Contact: Richard Farmer/Liquor
Liability
Sue Yates/Property and Liability
Phone: (800) 869-9976
Fax: (618) 233-0672
An MGA/E&S broker operating in Illinois and Missouri, with limits of $1 million on primary. Program includes GL, liquor liability, property and associated coverages. Carriers are Northland, Northfield, First Financial, Lloyd's, Burlington, United National, Acceptance, and Landmark, all A-rated. A wide range of tavern/restaurants is targeted.
S.H. Smith & Company
41 N. Main St.
West Hartford, CT 06107
Contact: Jeff Parmenter
Phone: (800) 356-0168
Fax: (860) 561-3606
E-mail: jeff@shsmith.com
An E&S broker with limits up to $10 million for fine dining, hotels/motels, restaurants, catering halls, and special events. Fine dining is written in the New England states with Chubb. All other is available in all states with Mt. Vernon.
Contact: John S. Willsey
Phone: (800) 356-0168
Fax: (860) 561-6709
E-mail: jsw@shsmith.com
Web site: restaurantpg.com
Purchasing Group for umbrella liability for restaurants, cafeterias, caterers, dining clubs, and institutional food services. Excess of primary limits $15 million with Cigna Insurance Company.
Surplus Insurance Brokers Agency, Inc.
P.O. Box 749
South Bend, IN 46624
Contact: Carol Dhoore
Phone: (800) 342-5706
Fax: (800) 578-7758
An MGA operating in Illinois and Indiana, with limits of $3 million on primary. Target markets include bars, restaurants, taverns, hotels and motels. Carriers are Scottsdale, Northfield, and Capitol Indemnity, all A-rated.
Swett & Crawford Group
21650 Oxnard St., Ste. 1600
Woodland Hills, CA 91367
An MGA with related programs with the company structure.
For accounts not written by standard markets--
Contact: Kent Strong
Phone: (303) 755-5775
Fax: (303) 755-6250
E-mail: Kent_Strong@Swett.com
States available are CO, NM and WY.
Any type liquor vendor--
Contact: Layne Peckman
Phone: (602) 867-4100
Fax: (602) 867-2808
E-mail: Layne_Peckman@Swett.com
State available: Hawaii.
For accounts not written by standard market--
Contact: Karen Gladstone
Phone: (248) 333-0500
Fax: (248) 333-1710
E-mail: Karen_Gladstone@Swett.com
States are IN, MI and OH.
For package policies--
Contact: Terry Williams
Phone: (559) 227-3535
Fax: (559) 227-9449
E-mail: Terry_Williams@Swett.com
States are nationwide.
For bars, taverns, and nightclubs--
Contact: Dottie Mappin
Phone: (800) 282-8843
Fax: (813) 530-0313
E-mail: Dottie_Mappin@Swett.com
States are AL, GA, MS, NC and SC.
For bars, hotels, and restaurants--
Contact: Janice Griffin
Phone: (208) 376-1161
E-mail: Janice_Griffin@Swett.com
States are ID, MT, OR and WY.
For bars, taverns, hotels, nightclubs, and discos--
Contact: Tony Ciulla
Phone: (617) 556-2116
Fax: (617) 482-4635
E-mail: Tony_Ciulla@Swett.com
States are nationwide.
For multiple-location restaurants and fast food franchise operations--
Contact: Frank Dias
Phone: (877) 877-4324
Fax: (206) 448-1757
E-mail: Frank_Dias@Swett.com
States: nationwide.
For bars, restaurants, taverns--
Contact: Norm Rowley
Phone: (207) 774-3857
Fax: (207) 772-3582
E-mail: Norm_Rowley@Swett.com
States are CT, MA, ME, NH, RI and VT.
Tri City Brokerage, Inc.
50 California St., Ste. 2000
San Francisco, CA 94111
Web site: www.tricityins.com
Contact: Brian Duffy, San Francisco, CA
Phone: (415) 675-2204
Fax: (415) 986-5004
John Jennings, New York, NY
Phone: (212) 293-3929
Fax: (212) 619-5202
Kevin Hahn, Hauppauge, NY
Phone: (516) 272-9448
Fax: (516) 273-8732
David Fiske, Chicago, IL
Phone: (312) 879-7115
Fax: (312) 876-1394
Robert McAulely, W. Palm Beach, FL
Phone: (561) 712-8112
Fax: (561) 712-9304
An E&S broker operating in all states with limits up to $100 million on the hotel class for general liability, property, and auto.
U.S. Risk Group, Inc.
10210 N. Central Expwy., Ste. 500
Dallas, TX 75231
Contact: Marketing Department
Phone: (800) 232-5830
Fax: (214) 739-1421
E-mail: monte@usrisk.com
An MGA/E&S broker operating in all states considering all classes of this niche with numerous A-rated carriers. Limits of up to $5 million are available.
UniFax Insurance Systems, Inc.
23251 Mulholland Dr.
Woodland Hills, CA 91364
Contact: Mark Neiman
Phone: (800) 669-9800
Fax: (818) 591-9856
An MGA operating in AZ, CA, CO, KY, MT, NV, OH, OR, PA and WA, targeting bars/nightclubs, restaurants, hotels and motels. Limits of $3 million on primary are available through Crusader Insurance Company, an A-rated carrier. Liquor liability is also written.
United Brokers, Inc.
P.O. Box 1243
New Albany, IN 47151
Contact: Tricia Coffey
Phone: (800) 444-4824, Ext. 112
Fax: (812) 949-4015
E-mail: tricia@ubinc.com
An MGA operating in IN, KY and OH, providing up to $3 million in primary liability. Coverages for liability, property, liquor liability, crime and workers compensation are placed with Penn-American Insurance Company, A-rated carrier.
United Capitol Insurance Company
400 Perimeter Center Terrace, Ste. 345
Atlanta, GA 30346
Contact: Laura Wolfe
Phone: (800) 355-9429, Ext. 3970
Fax: (770) 399-6113
Web site: www.unitedcapitolins.com
An insurance company operating through select program administrators with liability limits
of $1 million/$2 million and up to
$15 million in property, package or monoline. Target risks with liquor receipts under 35%. Minimum premium is $1,000.
Van American Insurance Agency of AL, Inc.
D/B/A SMIS
2 Riverchase Office Plaza, Ste. 208
Birmingham, AL 35244
Contact: Cindy Simmons/Mary Glass
Phone: (800) 755-7647
Fax: (205) 403-0761
E-mail: csimmons@vanamerican.com or mglass@vanamerican.com
An MGS/E&S broker writing in all states and all classes of this niche. Limits of $1 million/$2 million on primary plus excess are available through various A-rated carriers. Coverages include general liability, property, and liquor liability. *
©COPYRIGHT: The Rough Notes Magazine, 1999