PHLY E&S will selectively entertain and tailor coverage for establishments within sections of the hospitality industry including the selling, serving, or furnishing of alcoholic beverages.

Target Classes

• Restaurants with liquor sales < 50%

• Boutique Hotels

• Catering halls

• Bowling alleys

• Comedy clubs

Targeted Characteristics include

• Local establishments

• Single or multi-locations

• Privately owned

• Restaurant, hotel, theater

• Alcohol sales up to 50% of receipts

• Establishments that close before 12am (exceptions can be made in urban areas)

Unacceptable Classes

• Bars/Taverns

• Chain restaurants

• Fast food restaurants

• Operations in the state of LA

• Nightclubs/Lounges

• Gentlemen’s clubs

• Pyrotechnics

• GL coverage is not available in the following states: AL, FL, TX, TN, NJ, SC, ID, NM, CT

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

Excess Liability - Up to $5M in limits

Property

• Commercial property coverage up to $20M 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

Financial Security

• AM Best rated A++

• Standard & Poor's Assigned A+