Specialty Lines Market

Hospitality risks

Bars, taverns, restaurants, hotels and resorts

By Larry G. France

The hospitality business is more at the mercy of the economy than are most classes. If people don’t travel, eat out, or take vacations, these businesses can suffer financially. The fallout from 9/11 was a good example. The cost of gas also has been factor, along with slower growth in the economy. The cost of transportation has not eased off, but economic recovery is helping in other areas. For example, an upward swing in room rates tells us that there are fewer vacancies, and hotels can regain some of the dollars lost over the last several years.

This is bad for the average person’s pocketbook, but it will help maintain a good balance sheet for your clients. The ups and down of hospitality risks is the reason for requesting a strong financial statement when selecting such a risk.

What should you look for in a hospitality risk? Tom Rossi, VP, Underwriting, of the Century Group, says: “Century Insurance Group has insured hospitality accounts across the nation for years. We specialize in providing property and casualty insurance coverages for hotels, motels, restaurants, bars, taverns and nightclubs. We analyze each account based upon management’s experience, loss history, housekeeping, life safety, crowd control, and building construction. We have seen many of our competitors enter and leave this market segment as fast as a strobe light at a rave concert.” Rossi says that Century is in the business for the long term to provide a product that is competitive and well underwritten.

The buzzword for the last six months has been underwriting discipline—a great concept that is sometimes difficult to adhere to but necessary if one is to stay for the long haul.

“These types of risks (hospitality business) have always given us some degree of heartburn depending on the state of the market,” says Mick Kroll, CPCU, ASLI, of AmWINS. “For restaurants, the admitted market always seems to have a decent supply of players. However, for those risks with relatively high liquor receipts and/or entertainment, the field gets a little trickier and there are fewer admitted market options.” Kroll says this market seems to be either ever-changing or never-changing depending on one’s point of view. “During the soft market, hospitality risks were used to getting good coverage at a low premium. Over the last four years, they have been screaming at their agents because of high premiums with gaps in coverage. The niche carriers who were providing loaded policies for low premium left the market for obvious reasons, which left the larger carriers that will always play if they can get the price. Premiums elevated high enough that we even see many insureds going without coverage. If an insured wanted assault and battery coverage, they had to pay through the nose.”

The market seemed to be softening at the beginning of 2005, according to Kroll, and we are seeing a few carriers offer assault and battery at low premiums along with lower sub-limits. Most of these carriers are also offering liquor liability as well, but rates will vary depending on the state liquor laws.

“Finding the right market for any particular risk requires knowing what the insured needs versus what the insured desires and is willing to pay for. As the market softens, hopefully the cases of heartburn are lessening,” says Kroll.

Almost all types of hospitality risks will have some level of liquor liability exposure. It is and has always had some degree of difficulty.

Andy Samaroo from The Wholesale Insurance Group (TWIG) says that since the third quarter of 2004, he has seen slightly more capacity in the market for liquor liability. The supply is still tight, however, and pricing is being maintained at the levels arrived at during the hard cycle.

“From a legal standpoint, the case has been made that given the precedents laid down in the late ’80s and ’90s, there is far greater exposure for liability losses than has been realized by potential plaintiffs. I would agree with this opinion and would go further to say that while most patrons at liquor establishments aren’t aware of the duty of care that is owed to them, most establishment owners also haven’t fully come to terms with the legal implications of the aforementioned precedents and the ramifications to their duty of care. The potential for long-tail claims is not lost on us.”

Samaroo says that ownership has generally taken a more active view of loss control over the past number of years. He observes that this is a response to the insurance climate, not the legal climate.

Future Specialty articles will feature special events/prize indemnification (May issue), EPLI (June issue), and personal and commercial umbrellas (July issue).

The following have responded to our survey and indicated that they are a market for hospitality risks. Please note the target classes and geographical areas of operation.

Agency Marketing Services, Inc.
P.O. Box 67218
St. Pete Beach, FL 33736
Contact: John Coe
Phone: (800) 542-2805
E-mail: jcoe@agencymarketing.com
An E&S broker that operates in FL only with property limits of up to $10 million (higher for resorts), GL of $1 million/$2 million (minimum deductible: $500; minimum premium: $500). Target markets are restaurants (take-out only, fine dining, family style), bars, taverns, nightclubs, adult clubs, caterers, banquet halls, and hotels (small, independent franchises and high-value resorts). Will not write workers comp or commercial auto. Can offer equipment breakdown, liquor liability, umbrella, and excess GL. All carriers are rated A- or better.

All Risks, Ltd. and All Risks California Insurance Services LLC
10150 York Rd., 5th Fl.
Hunt Valley, MD 21030
Web site: www.allrisks.com
VA office
9030 Stony Pt. Pky., Ste. 230
Richmond, VA 23235
Contact: Lisa Loving
Phone: (800) 366-7475, Ext. 206
E-mail: lloving@allrisks.com
Fax: (804) 330-9485
AZ office
3200 E. Camelback Rd., Ste. 230
Phoenix, AZ 85018
Contact: Heather Ott
Phone: (800) 418-9763, Ext. 3618
E-mail: hott@allrisks.com
Fax: (602) 494-0200
CA office—All Risks California Ins. SVCS LLC
1000 Broadway, Ste. 320
Oakland, CA 94607
Contact: Dawn D’onofrio
Phone: (800) 451-9680, Ext. 105
Fax: (510) 452-9293
E-mail: dawn.donofrio@allrisks.com
An MGA/E&S broker operating in AZ, CA, DC, MD, NC, NM, NV, SC and VA with limits of up to $10 million (VA office), up to $80 million GL primary/excess and $100 million property any one location (AZ and CA offices). Target classes are hotels, bars and restaurants. Can offer property and workers comp. Carriers are Scottsdale (A+), Mt. Vernon USLI (A++), Western Heritage (A+), Colony, James River, Admiral, Maxum, and Gen Star (all rated A).

American Wholesale Insurance Group (AmWins)
4064 Colony Rd., Ste. 450
Charlotte, NC 28211
Contact: Mick Kroll
Phone: (818) 772-3829
E-mail: mick.kroll@amwins.com
An MGA/E&S broker that operates nationwide with limits of $1 million/$2 million/$1 million. Target classes are bars, taverns, restaurants, and nightclubs. Can offer liquor liability ($1 million/$1 million). All carriers are rated A- or better.

Aon Specialty Product Network
200 E. Randolph St., 18th Fl.
Chicago, IL 60601
Contact: Aon Specialty Product Network will direct to the appropriate provider company.
Phone: (877) 275-2776
Fax: (312) 381-6211
E-mail: moreinfo@askaspn.com
Web site: www.askaspn.com
An MGA/E&S broker/program administrator that operates in all states. All carriers are rated A or better.

Arlington/Roe & Company, Inc.
P.O. Box 80803
Indianapolis, IN 46280
Contact: David Toombs
Phone: (800) 878-9891, Ext. 8685
Fax: (317) 554-8551
E-mail: dtoombs@arlingtonroe.com
Web site: www.arlingtonroe.com
An MGA/wholesale broker that operates in IL, IN, KY, MI, OH and TN with liability limits of $1 million/$2 million. Target class is properties under four stories. Can offer liquor, EPLI, special events, and transportation. Carriers are Capitol Indemnity (A), Nautilus (A) and Western World (A+).

Atlantic Specialty Lines, Inc.
9020 Stony Point Pky., Ste. 450
Richmond, VA 23235
Contact: Seth Johnson, Rodney Kegley, David Adcock
Phone: (800) 368-2095
Web site: www.atlanticspecial.com
An MGA/E&S broker that operates in the mid-Atlantic states including FL, with limits of up to $10 million. Target classes are hotels, motels, bars, taverns and restaurants. Can offer EPLI, excess GL, and property lines. All carriers are rated A or better.

BAT Insurance Corp.
801 N. Brand Blvd., Ste. 310
Glendale, CA 91203
Contact: Tony Trocino
Phone: (818) 551-4588
E-mail: ttrocino@choprainsurance.com
An E&S broker that operates in CA only with limits of $10 million. Target class is hotels, motels and homes for the aged. Can offer property, liability and inland marine. All carriers are A rated.

Burns & Wilcox, Ltd.
220 Kaufman Financial Center
30833 Northwestern Hwy.
Farmington Hills, MI 48334
Contact: David J. Price, Kenneth A. Schneider
Phone: (800) 521-1918
Fax: (248) 932-9046
E-mail: dprice@burns-wilcox.com
kaschneider@burns-wilcox.com
Web site: www.burnsandwilcox.com
An MGA/E&S broker that operates in all states except AK, HI and NY with property limits up to $25 million, GL up to $5 million, and liquor up to $1 million. Target markets are hotels/motels and restaurants. Can offer crime, umbrella, and auto. Scottsdale (A+), Lloyd’s (A), and Burlington (A) are the carriers.

Capitol Insurance Companies
4610 University Ave.
Madison WI 53705
Contact: Dave Schirmer (Capitol Specialty Insurance Corp. - surplus lines), Rick Boettner (Capitol Indemnity Corp. - admitted)
Phone: (800) 475-4450
Web site: www.capitolindemnity.com
An insurance company whose target markets are property/casualty, surplus lines and surety. Will not write auto or contract surety. Capitol Insurance Companies is rated A.

Century Surety Group
P.O. Box 163340
Columbus, OH 43231
Contact: Tom Rossi, Mark Sowle
Phone: (614) 895-2000
Web site: www.centurysurety.com
An insurer that operates in all states except MA and RI with GL limits of $1 million/$2 million, $5 million excess. Target classes are restaurants, bars and taverns. Can offer liquor in CA, CO, FL and NV. The company is rated A-.

Crusader Insurance Co.
23251 Mulholland Dr.
Woodland Hills, CA 91364
Contact: Cary Cheldin
Phone: (800) 669-9800
Fax: (818) 591-9856
Web site: www.crusaderinsurance.com
An insurer that operates in CA only with property and liability limits of up to $2 million. Target classes are bars/nightclubs, micro breweries, restaurants, and hotels/motels. Can offer liquor legal liability. Crusader is rated B+.

Delaware Valley Underwriting Agency, Inc.
420 S. York Rd.
Hatboro, PA 19040
Contact: Joel Kaplan, Michelle Cranford, Ed McCants
Phone: (800) 388-0215
Fax: (215) 672-7983
E-mail: info@dvua.com
Web site: www.dvua.com
An MGA/E&S broker operating in DE, GA, KY, MD, NC, NJ, NY, OH, PA, SC, TN, VA and WV with unlimited limits. Target classes are restaurants/bars, hotels/motels, adult entertainment, nightclubs, and seasonal risks. Can offer property, GL, umbrella, liquor, crime, transportation, and EPLI. All carriers are rated A- or better.

Entertainment Brokers International
10940 Wilshire Blvd., 17th Fl.
Los Angeles, CA 90024
Contact: Aaron Ma
Phone: (310) 824-0111
Fax: (310) 824-5733
E-mail: ama@entbrokersintl.com
An MGA that operates in all states with limits of up to $50 million. Target markets are hotel casinos, destination hotels, luxury hotels, dinner theaters, entertainers, Tenant Users Liability Insurance Program (TULIP), as well as other leisure risks. Can offer gaming. Will not write bars, taverns, nightclubs or stand-alone liquor liability. Clarendon is the A- rated carrier.

Evolution Insurance Brokers International (EIB International)
8722 Harrison St.
Sandy, UT 84070
Contact: Russ Sorenson, Nadine Guss, Missy Byrum
Phone: (877) 687-7342
Fax: (801) 304-5551
E-mail: russs@eibdirect.com nadineg@eibdirect.com melissab@eibdirect.com
Web site: www.eibdirect.com
An E&S broker that operates in all states with all limits. Will consider all classes. Carriers are Prime (B-) and Lloyd’s (A).

Excel Insurance Service, Inc.
2099 Pennington Rd.
West Trenton, NJ 08628
Contact: Carol Hastings
Web site: www.excelins.com
An MGA/E&S broker operating in NJ and PA with unlimited limits. Will consider all classes; can offer liquor. All carriers are rated A or better.

Gateway Underwriters Agency
1714 Deer Tracks Trail, Ste. 210
St. Louis, MO 63131
Contact: Mary Beth Fox
Phone: (800) 325-7652
Fax: (314) 238-0065
E-mail: marybeth.fox@gua-stl.com
Web site: www.gua-stl.com
An MGA that operates in IA, IL, KS, MO and NE with limits of $1 million/$2 million GL; property, full limits including earthquake. Target classes are restaurants, bars, neighborhood taverns, nightclubs, hotels/motels, and bed and breakfasts. Can offer liquor liability and umbrella. USLI, Nautilus, Western World, Indian Harbor, and Scottsdale are the carriers.

H.R. Keller & Co., Inc.
1520 Sheridan Dr.
Buffalo, NY 14217
Contact: John Barton, Rob Martin
Phone: (800) 424-2202
E-mail: rmartin@kellerandco.com
A general agent, wholesaler, and excess/surplus lines broker that operates in NY state only with limits that vary by company. Target classes are restaurants, taverns and bars. Can offer liquor legal liability, workers comp and DBL. Uses both admitted and nonadmitted carriers to place coverage.

Harry W. Gorst
9310 Topanga Canyon Blvd.
Chatsworth, CA 91311
Contact: Nancy Brown, Rochelle D. Cordova, Fran Locke
Phone: (818) 507-0900
Fax: (818) 507-1133
Web site: www.gorst.com
An MGA/E&S broker that operates in CA only with GL limits of up to $10 million. Target classes are bars/taverns, restaurants, nightclubs, hotels/motels, caterers, and event planners. Will not consider bars, nightclubs or restaurants with guns on premises, monoline liquor, liquor manufacturers or distributors as additional insureds, risks with mechanical amusement devices, hired or non-owned auto, or bring-your-own-bottle establishments. Carriers are Scottsdale (A+), Colony (A), Western Heritage (A+), Markel (A-), and Topa (A-).

Hospitality Insurance Solutions
304 Cedar St.
Sterling, CO 80751
Contact: Gregg Dennington
E-mail: gdennington@hospitalityins.com
Web site: www.hospitalityins.com
AN MGA that operates in all states except FL and LA. Target classes are hotel/motel and resort condominiums. Will not write owner-occupied condominiums. Can offer umbrella, crime, liquor liability, and equipment breakdown (boiler). Carriers are Discover P&C (A), Firemans Fund (A), Hartford Steam (A++), Philadelphia (A++), and F&D (A).

Insurance Innovators Group
P.O. Drawer 969
Glenside, PA 19038
Contact: Etty Herzig, Janet Barton, Philippa Pay
Phone: (800) 523-6422
Fax: (215) 886-2482
Web site: www.iiigroup.com
An MGA/E&S broker that operates in DE, MD, NJ and PA with limits of $1 million/$2 million/$1 million. Can offer umbrella, excess, property, GL and package. Various carriers are used to place coverage.

Interstate Risk Placement. Inc.
P.O. Box 3765
Peoria, IL 61612
Contact: Rick Sutton, Chris Henderson
Phone: (800) 642-8397
Fax: (309) 693-0402
E-mail: ricks@interstaterisk.com
An MGA that operates in AR, IL and MO with GL limits of $1 million, property of $1 million and liquor liability of $1 million. Target classes are restaurants, bars (including late close) and liquor stores. Can offer food spoilage, inland marine, crime, and hired/non-owned auto. Carriers are Lloyd’s (A-), Burlington (A-), Essex, (A), First Financial (A-), and Acceptance Casualty (B++).

Izzo Insurance Services, Inc.
7234 W. North Ave.
Elmwood Park, IL 60707
Contact: Michael C. Jones
Phone: (800) 800-1704
Fax: (708) 452-1777
E-mail: mjones@izzoinsurance.com
Web site: www.izzoinsurance.com
An MGA/wholesaler that operates in all states except HI with limits of up to $1 million. Target class is hotels/motels. Can offer EPLI. The A rated carriers are ACE, AIG, Hartford, AmTrust and Zenith.

Jimcor Agencies
60 Craig Rd.
Montvale, NJ 07645
Contact: John George (800) 345-1528 Sue Linn (856) 797-8200
Web site: www.jimcor.com
An E&S wholesaler/MGA that operates in MA, NH, NJ, NY, OH, PA and WV with limits of $1 million/$2 million; umbrellas are available. Target markets are hotels, motels, bed and breakfasts, restaurants, bars and taverns—liquor liability and innkeeper liability available for all of these. Can also offer coastal risks and renovations. Carriers are Colony (A), Lloyd’s (A), Nautilus (A), USLI (A++), Penn America (A-).

Klein Insurance Services, Inc.
One Garret Mountain Plaza, Ste. 901
West Paterson, NJ 07424
Contact: Scott Klein, Jonathan Klein, Patt Rizzo
Web site: www.kis-hospitality.com
An MGA that operates in the 48 contiguous states with limits of $25 million. Target classes are business and full-service hotels. Can offer umbrella programs for upscale restaurants. Insurance Corp. of Hannover is the A rated carrier.

London American General Agency, Inc.
10174 Old Grove Rd., Ste. 100
San Diego, CA 92131
Contact: Clint Palaci, Laura Mills, Vicki Larry
Phone: (858) 547-9000
Fax: (858) 547-9199
E-mail: ataylor@londonamerican.com
Web site: www.londonamerican.com
An MGA/E&S broker/wholesaler that operates in AZ, CA and NV with limits of $1 million/$2 million. Target class is hotels/motels. Can offer boiler and machinery and crime.

M.J. Hall & Company, Inc.
709 N. Center St.
Stockton, CA 95202
Contact: Norm Amick
Phone: (209) 948-8108, Ext. 101
E-mail: norm@mjhallandcompany.com
Web site: www.mjhallandcompany.com
An MGA/E&S broker that operates in AK, AZ, CA and NV with limits of $25 million-plus. Target markets are bars, delis, drive-ins, restaurants, nightclubs, taverns, hotels/motels and caterers. Can offer GKLL, liquor liability and crime. Admitted and nonadmitted carriers are rated B+ or better.

M.J. Kelly Co., Inc.
4415 E. Sunshine
Springfield, MO 65809
Contact: John Jennings, Shawna Cooke, Heather Duffield
Phone: (800) 725-7211
Fax: (417) 883-7103
Web site: www.mjkelly.com
An E&S broker that operates in AR, FL, IA, IL, KS, MO, MS, OK and TN with GL and liquor limits of $1 million/$2 million and various limits on property. Target class is non-franchise. Can offer liquor liability, shuttle vans, and special events. Various A+ rated carriers are used to place coverage.

Market Finders Insurance Corp.
P.O. Box 6549
Louisville, KY 40206
Contact: Karen Cornett, Joe Miller, Jim Flitt
Phone: (800) 626-5660
Fax: (502) 426-7970
Web site: www.mfic.com
An MGA/E&S broker that operates in IN, KY, OH, SC, TN and WV with limits of up to $1 million/$2 million. Target classes are bars, taverns, restaurants, caterers, special events, motels, limo services, and other public auto risks. Can offer property, liquor liability, umbrella, and EPLI. All carriers are rated A- or better.

McLeckie Insurance Group
P.O. Box 770
Naples, TX 75568
Contact: Bill McLeckie, Jason McLeckie
Phone: (877) 905-9090
Fax: (903) 897-0062
E-mail: bill@mcleckie.com
Web site: www.mcleckie.com
An MGA/E&S broker that operates in all states with limits as required. Target classes are restaurants and hotels. Various admitted and nonadmitted carriers are used to place coverage.

Midlands Management Corp.
3503 N.W. 63rd, Ste. 305
Oklahoma City, OK 73123
Contact: Roger Park, Sonya Purvis
Phone: (800) 800-4007
Web site: www.midlandsmgt.com
An MGA operating in AR, KS, MO, OK and TX with limits of up to $5 million. Target classes are family-style restaurants and hotels/motels. Will not write bars/taverns, or new ventures. Can offer property, GL, liquor, crime and inland marine. The carriers are rated A-.

NAPCO LLC
333 Thornall St.
Edison, NJ 08837
Contact: John Pagoumian (732) 603-2092 Eddie Williams (732) 603-2086
E-mail: jpagoumian@napcollc.com ewilliams@napcollc.com
Web site: www.napcollc.com
A wholesale broker and reinsurance intermediary operating in all states and internationally with all-risk limits of $10 million to $1 billion or more; critical earthquake: $10 million to $500 million in AK, AZ, CA, CO, IL, KY, MO, MT, NC, NV, SC, TN, UT and WA. Primary GL limits of $1 million/$2 million/$2 million; excess liability capacity: $1 million to $100 million. Target classes are hotels/motels, casinos, restaurants and resorts. Can offer property, boiler and machinery, GL, and excess/umbrella liability. A or better carriers include standard carriers, reinsurance companies, surplus lines carriers, London, European, and Bermuda capacity via NAPCO of Bermuda Ltd.

National Advantage Insurance Services, Inc.
P.O. Box 1065
Tustin, CA 92781
Contact: Clifford Mapes, Judy Clem or Rene’e Francis
Phone: (714) 505-1015
Fax: (714) 505-1025
E-mail: clifford@nationaladvantageins.com
Web site: www.nationaladvantageins.com
An MGA that operates in California with limits of $1 million. Target classes are small to medium bars, nightclubs and restaurants. Can offer liquor liability. Golden Bear Insurance Company is the B+ rated carrier.

National Specialty Underwriters, Inc.
155 108th Ave., NE, Ste. 800
Bellevue, WA 98004
Contact: Brad Hatfield
Phone: (425) 450-1090, Ext.114
E-mail: bhatfield@nsui.com
Web site: www.nsui.com
A program administrator/wholesale broker that operates in all states with limits of up to $250 million. Target classes are hotels, resorts and casinos. Will not consider bed and breakfasts, dude ranches, or stand-alone bars, taverns or restaurants. Can offer GL, auto, property, workers comp, boiler and machinery, crime, and EPLI. Tokio Marine & Fire (A++) and Zurich North American (A) are the carriers.

NIF Group/NIF Pro
30 Park Ave.
Manhasset, NY 11030
Contact: Nancy Williams or check Web site
Phone: (800) 892-8892
Fax: (516) 365-7392
E-mail: marketing@nifgroup.com
Web site: www.nifgroup.com
An MGA/E&S broker that operates in all states (admitted in most eastern states) with limits of $1 million/$2 million, $5 million umbrella. Target classes are risks requiring specialty coverages, those not insured in standard markets. Can offer liquor liability, umbrella, and special events. All carriers are A rated.

NorthCoast Excess & Surplus Agency, Inc.
2244 E. Enterprise Pky.
Twinsburg, OH 44087
Contact: Jeff Burke, Michele Burke
Fax: (330) 405-9893
Web site: www.ncoastxs.com
An E&S broker that operates in OH only with primary limits of up to $2 million. Can offer liquor liability and umbrella/excess. All admitted and nonadmitted carriers are A rated.

Philadelphia Insurance Companies
One Bala Plaza, Ste. 100
Bala Cynwyd, PA 19004
Phone: (800) 873-4552
Fax: (610) 617-7940
E-mail: phlysales@phlyins.com
Web site: www.phly.com
An insurer that operates in all states except LA with limits of up to $10 million through umbrella. Target market is hotels. Will not write motels which have outside egress. Can offer property, GL and crime, as well as flood and earthquake in certain areas. Philadelphia Insurance Companies is rated A+.

Prime Insurance Syndicate Inc./I.E.B.S.
P.O. Box 4439
Sandy, UT 84091
Contact: any underwriter
Phone: (877) 243-8181
Fax: (877) 452-6910
E-mail: uda@primeis.com
Web site: www.primeis.com
An MGA (IEBS) and insurer (Prime) that operates in all states with all limits. Will consider all classes. Prime is rated B- and Lloyd’s is rated in the A range.

Professional Liability Insurance Services
8015 Bronco Lane, Ste. 100
Lago Vista, TX 78645
Contact: underwriting team
Phone: (800) 761-7547
Fax: (512) 327-5834
E-mail: underwriting@plisinc.com
Web site: www.plisinc.com
A program administrator that operates in all states with various limits. All classes considered; target class is restaurants, any type or size of service operation. Can offer EPLI, and E&O. Carrier is Lloyd’s (A-).

RCA Insurance Group
1333 Broad St.
Clifton, NJ 07013
Contact: Michael Maher
Phone: (800) 526-0147
Fax: (973) 472-5448
Web site: www.rca-insurance.com
An MGA operating in AZ, CT, FL, GA, IL, IN, KY, LA, MA, MD, ME, MI, MN, NC, NH, NJ, NY, OH, PA, RI, SC and VT with liability limits of $2 million and property limits of $5 million. Target classes are restaurants, taverns and bars. Will not write entertainment or nightclubs. Can offer liquor liability ($2 million) and a property enhancement endorsement. Everest National is the A+ rated carrier.

Restaurant Owners PG, Inc., c/o S.H. Smith & Co.
41 N. Main St.
West Hartford, CT 06107
Contact: Jeff Parmenter, Jack Kramer, William St. George
Phone: (800) 356-0168
Fax: (860) 561-3606
E-mail: tomc@shsmith.com
Web site: www.shsmith.com
An E&S broker/purchasing group that operates in all states with primary limits of $1 million/$2 million, plus umbrella. Target class is fine dining. Can offer EPLI and property. The carrier is rated A-.

Robert A. Schneider Agency
5620 Smetana Dr., Ste. 225
Minnetonka, MN 55343
Contact Randy Velin
Phone: (952) 938-0655
Fax: (952) 938-0701
Web site: www.rasinc.com
An MGA/E&S broker operating in MN, ND and WI with liability limits of $5 million and property limits of $5 million. Will consider all types of restaurants. Can offer liquor liability. Carriers are St. Paul Surplus Lines (A+), Penn America (A) and Lexington (A).

Roush Insurance Services, Inc.
P.O. Box 1060
Noblesville, IN 46061
Contact: Scott Sackers, Tony Armor, Dave Lehman
Phone: (317) 776-6880, (800) 752-8402 (IL, IN)
Fax: (317) 776-6891
E-mail: quotes@roushins.com
Web site: www.roushins.com
An MGA that operates in IL, IN and OH only with liability limits of $1 million and up and property limits of $1 million and up. Will consider all classes in the hospitality industry. Can offer special events, liquor liability, inland marine, and equipment breakdown. The A rated carriers are Century Surety, Essex, Evanston, and Scottsdale; Atlantic Casualty is an A- rated carrier.

Russell Bond & Co., Inc.
295 Main St., Ste. 866
Buffalo, NY 14203
Contact: Chris Moyer, Ext. 149, Jeff Latke, Ext. 147, Mike Kraus, Ext. 330
Phone: (800) 333-7226
Fax: (716) 856-0403
E-mail: info@RussellBond.com
Web site: www.RussellBond.com
An MGA/E&S wholesaler operating in CT, NJ, NY and PA with GL limits of up to $3 million, plus excess limits of up to $10 million; no limitations on property. Will consider all classes. Can offer liquor, umbrella, EPLI, workers comp, and excess hired and non-owned. All carriers are rated A- or better.

Southern Hospitality Underwriters, Inc.
1210 Greenbelt Dr.
Griffin, GA 30224
Contact: Brad Brown
Phone: (800) 635-4141
Web site: www.shuins.com
An MGA/program administrator that operates in all states with GL limits of $1 million and property of $15 million. Target class is limited service hotels. Can offer property, GL and EPLI. All carriers are A rated.

Southern Insurance Underwriters, Inc.
P.O. Box 105609
Atlanta, GA 30348
Contact: Charles Roberts, Barbara Commings (FL business), Pam Royalty
Phone: (800) 568-1700
Fax: (678) 498-4600
Web site: www.siuins.com
An MGA/E&S broker that operates in AL, FL, GA, SC and TN with GL limits of $1 million/$2 million, property limits of $25 million, and umbrella of $10 million. Will consider all types of family-owned, franchise, etc. Can offer auto (up to $1 million), innkeepers and crime. All carriers are rated A or better.

Specialty Insurance
P.O. Box 1126
Neptune, NJ 07754
Contact: Mel Watters
Phone: (800) 836-1400
Fax: (732) 919-3501
E-mail: mwatters@specialtyagency.com
Web site: www.specialtyagency.com
An MGA operating in CT, DE, FL, GA, IL, MD, MI, MO, NJ, NY, MA, PA, RI and TN with GL limits of $1 million/$2 million, property of $4 million, and liquor legal of $1 million. Target class is restaurants, taverns, pizzerias, and caterers. Will not consider hotels or motels. QBE is the A rated, admitted carrier.

Swett & Crawford
21650 Oxnard St., Ste. 1400
Woodland Hills, CA 91367
Contact: Catherine Snyder
Phone: (213) 439-3412
Fax: (213) 439-3460
E-mail: catherine_snyder@swett.com
Web site: www.swett.com
An E&S broker that operates in all states except CT and NJ with all-risk limits of up to $100 million; flood/quake, $50 million; crime, $250,000; and boiler and machinery, $50 million. Target classes are owner operators and franchise full-service hotels/motels with AAA Three Star ratings or better; and other full-service, above-average inns. Will not write bed and breakfast or long-term stay lodging. Can offer GL. The carrier is rated A.

Symons International Group (Florida), Inc.
2300 Glades Rd., Ste. 135E
Boca Raton, FL 33431
Contact: Jane Otto
Phone: (800) 275-4348
Fax: (561) 392-9719
E-mail: jotto@sigfl.com
An MGA/E&S broker that operates in FL only with limits of $1 million/$2 million. Target classes are hotels, restaurants, resorts, nightclubs, bars, food distributors, gentlemen’s clubs, and movie theaters. Will not consider nightclubs with stairs. Can offer special events (annual or per-event) and liquor. Burlington is the A- rated carrier.

The Wholesale Insurance Group
8 Nelson St. West, 6th Fl.
Brampton, ON, CN L6X 4J2
Contact: Andy Samaroo, Robert Young
Phone: (800) 268-4461
E-mail: asamaroo@twig.ca
Web site: www.twig.ca
An MGA that operates throughout Canada with limits of up to $10 million GL. Target markets are liquor-licensed establishments, from restaurants to nightclubs. Caterers are not written. Can offer property and boiler & machinery. Lombard General Insurance Company of Canada is the A rated carrier.

Topa Insurance Co.
1800 Avenue of the Stars, 12th Fl.
Los Angeles, CA 90067
Contact: Grainne Heatherington
Phone: (800) 949-6505
Fax: (310) 843-9409
E-mail: gheatherington@topa-ins.com
Web site: www.topains.com
An insurer that operates in CA and NV only. Target class is restaurants (package and monoline). Can also offer monoline for bars, taverns and nightclubs. Topa is rated A-.

Unifax Insurance Systems, Inc.
23251 Mulholland Dr.
Woodland Hills, CA 91364
Contact: Cary Cheldin
Phone: (800) 669-9800
Fax: (818) 591-9800
Web site: www.crusaderinsurance.com
An MGA operating in CA only with liability and property limits of up to $2 million. Target classes are bars, nightclubs, micro breweries, restaurants and hotels/motels. Can offer liquor legal liability. Crusader is the B+ rated carrier.

United Brokers Inc.
P.O. Box 1243
New Albany, IN 47151
Contact: Janice, Ext. 129; Ron, Ext. 119; and Pam, Ext. 135
Phone: (800) 444-4824
Web site: www.ubinc.com
An MGA operating in GA, IL, IN, KY, OH and TN with limits of $1 million/$2 million. Target classes are restaurants, bars/taverns, and hotels/motels. Will not write cigar bars. Can offer liquor, property, excess and umbrella. A rated companies are available.

United Coastal Insurance Co.
233 Main St.
New Britain, CT 06050
Contact: Henry W. Nozko, Jr.
Phone: (860) 223-5000
Fax: (860) 229-1111
An insurer that operates in all states except NH and VT with limits of $1 million. United Coastal is rated A-.

Venture Insurance Programs
1301 Wright’s Lane East
West Chester, PA 19380
Contact: Annamarie Keen
Phone: (800) 282-6247, Ext. 278
Fax: (610) 692-5977
E-mail: hospitality@ventureprograms.com
Web site: www.ventureprograms.com
A program administrator operating nationwide with statutory limits. Target markets are full-service restaurants, hotels, resorts, casinos, spas, and related hospitality risks, with a minimum premium of $25,000. Can offer workers comp. Will not write 24-hour or fast-food restaurants. Alea North America Insurance Co (A-) and Chubb Group of Insurance Companies (A++) are the carriers.

W.A. Schickedanz Agency, Inc.
P.O. Box 445
Belleville, IL 62222
Contact: David Miller, Linda Siglar
Phone: (800) 869-9976
Fax: (618) 233-0672
E-mail: sales@waschickedanz.com
An MGA that operates in IL and MO with GL limits of $1 million, property of $1 million, and liquor liability of $1 million. Target classes are restaurants, bars (including late-close), and liquor stores. Can offer food spoilage, inland marine, crime, and hired/non-owned auto. Carriers are Lloyds’s (A-), Burlington (A-), Essex (A), First Financial (A-), and Acceptance Casualty (B++).

Western World Insurance Co.
400 Parson’s Pond Dr.
Franklin Lakes, NJ 07417
Contact: Timothy P. Hochkeppel
Phone: (201) 847-8600
Fax: (201) 847-1010
Web site: www.westernworld.com
An insurer that operates in all states with GL limits of $1 million/$2 million (no surety). Target markets are smaller, lighter risks. Will not write liquor liability or bars/taverns. Can offer GL, property and floaters. Western World is rated A+.

Yates & Associates Insurance Services
2100 E. Fourth St., 2nd Fl.
Santa Ana, CA 92705
Contact: Alex Zardeneta, Diane Rusk, Carl Ledbetter
Phone: (800) 660-1125
Fax: (800) 378-8588
Web site: www.yates-assoc.com
An MGA that operates in CA only with various limits. Will consider most classes. Can offer liquor liability and excess. All admitted and nonadmitted carriers are A rated. *