An MGA is a specialized type of insurance agent/broker that, unlike traditional agents/brokers, is granted underwriting authority by an insurer. MGAs perform certain functions that are usually handled by the insurer. These include, binding coverage, underwriting and pricing, appointing retail agents within a particular area, and settling claims.

Restaurant / Bar / Tavern / Sports Bar / Catering Halls

Yes! Liquor Liability is available as part of the package. Liquor limits are separate from GL.

Yes, we are silent on A&B if eligible.

Yes, as long as the owner has a minimum of 3 years of bar / restaurant management or ownership experience.

Minimum 3 years hard copy required, with 5 years preferred.

No, we do not write this class of business at this time.

$250,000 minimum sales exposure.

Yes, we have several carriers available that will consider the excess on bar and restaurant business.

No, defense is outside the GL and LL limits.

Up to 100% liquor sales permitted.

Occasional / incidental entertainment is okay.

Yes, 72 hours minimum waiting period.

Yes, we have several carriers available that will consider the comp on bar / restaurant business.

Yes, $5000 medical pay is included.

We have no premium volume requirements.