Our appetite varies a little by state but, except in Oregon (where we don't write accounts with more than 75% liquor), generally includes restaurants, bars and taverns which are free of service related liquor violations and liquor/assault and battery claims. We can consider most premises driven incidental exposures, including: highway road stops, gift shops, minimarts, liquor stores, gaming, a few motel or camping units, gasoline sales, etc. Limited entertainment is permissible.

We do not write full nightclubs, adult entertainment, casinos or mini-casinos or distressed business in program but have brokerage markets available with minimum premiums ranging from $10,000 to $15,000.

No service related liquor violations or incidents are allowed in the past three years. Exceptions occasionally made -- especially in Oregon and Washington, if there are few "worst offender list" incidents

Our "hit ratio" varies by class and state but generally falls within these ranges:

While we do not write casinos or mini-casinos, we do write accounts with limited gaming and we do not make a charge for pull tab receipts, video poker receipts, etc.

Except in very limited circumstances, we do not audit our accounts. For that reason, it is critical to get the correct receipts going in. If we quote based upon one receipt level, new or renewal, and we are advised of a different receipt level at binding or at inspection, then we reserve the right to modify our pricing accordingly. Financials or tax records may be requested to verify disputed receipt inconsistencies.
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We have a strong broadening endorsement that includes the coverages below (Note a $500 per coverage deductible applies to each):

~ Accounts Receivable -- $25,000 per occurrence
~ Arson Reward -- $5,000 per occurrence
~ EDP Equipment & Media - Off Premises -- $10,000
~ EDP Equipment & Media - On Premises -- $20,000
~ Employee Theft -- $10,000 per occurrence
~ Fine Arts -- $15,000 per occurrence
~ Fire Department Service -- $5,000 per occurrence
~ Fire Equipment Recharge -- $1,000 per occurrence
~ Money & Securities -- $10,000 per occurrence
~ Outdoor Property -- $10,000 per occurrence
~ Outdoor Signs -- $15,000 per occurrence
~ Personal Effects -- $10,000 per occurrence
~ Property in Transit -- $15,000 per occurrence
~ Sewer Backup -- $15,000 per occurrence
~ Food Spoilage -- $25,000 per occurrence
~ Valuable Papers -- $25,000 per occurrence

Certain of the above limits may be increased.

In addition, full assault & battery limits are generally (but not always) provided on eligible up to 75% liquor accounts. Over 75% liquor accounts normally have an assault & battery sublimit or, if the liquor receipts are high enough, an exclusion.

Finally, we include Medical Payments Coverage. Inexplicably, one of our competitors does not - placing your client in a potentially adversarial position with his customer over minor injuries.
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Our goal is to respond to new business in 24 to 48 hours - unless the effective date is more than 30 days out. We don't always make it but that's the goal. We can usually respond to rushes on a same day basis.
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Beginning immediately, for new business, and with July 1 renewals, we have adopted a new commission schedule, as follows:

Producers with 12 or more active policies with us receive an additional 2.5% commission on all accounts, starting with the 13th policy (meaning, not retroactive to the first 12 policies, but they would be at the higher rate at renewal if there are still 12 policies in force when they bind).

For purposes of calculating the commission level, a Package Policy is one with both Property and Liability coverages on it. General Liability and Liquor Liability, while technically a multi-line policy, will earn the Monoline commission rate unless there is a Property coverage part attached. However, if we decline one line -- as we sometimes decline Property for example, if the values are too high -- then we will pay the Package policy commission level on the General and Liquor Liability.

Applications must be sufficiently complete that the account can be quoted without requesting additional information or else the lower commission rate will apply.

Beginning with July 2011 renewals, we will solicit the renewal between 45 days and 60 days before expiration and will remind you of the higher commission rate if you input the application, yourself, on line, 30 or more days prior to expiration. If you do not do so, then approximately 30 days prior to renewal, we will give you a "last chance" to earn the higher commission by inputting yourself. If, by 21 days prior to renewal, you have still not input the application or requested that we hold off so that you can, then we will input the account manually and will pay the lower commission rate.

We recognize that there will be last minute changes to property values and receipt estimates, and we welcome them. They may be handled by phone or e-mail, rather than a resubmission, and doing so will not reduce the higher commission.
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We offer an unbelievable, but optional, financing plan that will not only help you take business from your competitors but will make it extremely difficult for them to take business from you at renewal. Specifically, we offer a down payment of roughly 9% of the premium, including taxes and fees - and 11 monthly payments, also of about 9%.

This plan will save your client hundreds, if not thousands, of dollars at binding.
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Restaurants, Bars & Taverns