Crusader Insurance Co./Unifax Insurance Systems Inc.
Insurer(s): Crusader Insurance Co. Type/size for restaurants: All types and sizes.
Type/size for hospitality risks: Small to medium, 75 or less rental units.
Maximum general liability limits/restaurants: Per occurrence—$1 million; aggregate—$2 million.
Maximum general liability limits/ hospitality risks: Per occurrence—$1 million; aggregate—$2 million.
Maximum property limits for hospitality risks: $2 million with higher limits available.
Liquor liability risks written: Restaurants, taverns, package liquor stores, hotels and motels, nightclubs, private clubs, convenience stores and grocery stores.
Maximum liquor liability limits: Per claim—$1 million; aggregate—$2 million.
Special coverage features: Assault and battery is “not” excluded.
Coverage available in: CA.
For more information: Jim Pelletier, Crusader Insurance Co./ Unifax Insurance Systems Inc., 23251 Mulholland Drive, Woodland Hills, CA, 91364-2732. 818-591-9800. Fax: 818-591-9856. [email protected], www.crusaderinsurance.com.

J.M. Wilson
Insurer(s): Nautilus, Scottsdale, Penn Star, Capitol Indemnity, Burlington, Lloyd’s of London, Omega, Max Specialty, Essex.
Type/size for restaurants: Any.
Type/size for hospitality risks: Any.
Maximum general liability limits/restaurants: Per occurrence—$5 million; aggregate—$5 million.
Maximum general liability limits/ hospitality risks: Per occurrence—$5 million; aggregate—$5 million.
Maximum property limits for hospitality risks: $500 million.
Liquor liability risks written: Manufacturers, distributors, restaurants, taverns, package liquor stores, hotels and motels, wineries, private clubs, special events, caterers.
Maximum liquor liability limits: Per claim—$1 million; aggregate—$2 million.
Special coverage features: In addition to property and general liability, can include equipment breakdown, spoilage, property extension, ordinance or law, crime, signs and accounts receivable.
Coverage available in: AL, AR, GA, IA, IL, IN, KS, KY, MI, MO, MS, NC, NE, OH, OK, PA, SC, TN, VA, WI and WV.
For more information: Cathy Baldwin, J.M. Wilson, 8036 Moorsbridge Road, Portage, MI 49024. 800-282-8113. Fax: 269-327-2620. [email protected], www.jmwilson.com.

John P. Anthony Agency LLC
Insurer(s): First Mercury Insurance, Lloyd’s of London, State National Insurance, Capitol Specialty Insurance Co.
Type/size for restaurants: Small to large, fast food, family restaurants, white linen type.
Maximum general liability limits/restaurants: Per occurrence—$1 million; aggregate—$2 million.
Maximum general liability limits/hospitality risks: Per occurrence—$1 million; aggregate—$2 million.
Maximum property limits for hospitality risks: $20 million.
Liquor liability risks written: Restaurants, taverns, package liquor stores, hotels and motels, nightclubs, wineries, private clubs, caterers.
Maximum liquor liability limits: Per claim—$1 million; aggregate—$1 million.
Special coverage features: Standard ISO wording, broad form property extension.
Coverage available in: NJ and PA.
For more information: John P. Anthony, John P. Anthony Agency LLC, 1200 S. Church Street Suite 1, MT Laurel, NJ 08054. 856-638-0700. Fax: 856-638-0069. [email protected], www.jpanthonyinsurance.com.

Metcom Excess
Insurer(s): Gemini, Wilshire, Utica Specialty, Liberty Surplus, First Mercury, First Specialty, Landmark American.
Type/size for restaurants: All sizes. Restaurants, bars, taverns, lounges, nightclubs, adult entertainment.
Maximum general liability limits/restaurants: Per occurrence-$2,000,000; aggregate-$1,000,000.
Maximum general liability limits/ hospitality risks: Per occurrence-$2,000,000; aggregate-$1,000,000.
Maximum property limits for hospitality risks: $10,000,000
Liquor liability risks written: Manufacturers, distributors, restaurants, taverns, package liquor stores, hotels and motels, nightclubs, wineries, private clubs, special events.
Maximum liquor liability limits: Per claim-$1,000,000; aggregate-$2,000,000.
Special coverage features: Assault and battery coverage available, property enhancement available and defense costs available outside limits.
Coverage available in: NJ, NY and PA.
For more information: Sandy Koval, Metcom Excess, 245 Main Street, Ridgefield Park, NJ 07660. 201-641-5100. Fax: 201-641-6566. [email protected]. www.metcomexcess.com.

NIF Group
Insurer(s): All “A” rated carriers.
Type/size for restaurants: Any size, unusual construction, or location (coastal), entertainment, dance floor, loss problems, catering, new ventures.
Type/size for hospitality risks: Any size, unusual construction, or location (coastal), entertainment, dance floor, loss problems, catering, new venture, meeting.
Maximum general liability limits/restaurants: Per occurrence—$1 million; aggregate—$3 million plus excess.
Maximum general liability limits/ hospitality risks: Per occurrence—$1 million; aggregate—$3 million plus excess.
Maximum property limits for hospitality risks: In-house underwriting authority up to $10,000,000 and up to $25,000,000 and more brokerage.
Liquor liability risks written: Manufacturers, distributors, restaurants, taverns, package liquor stores, hotels and motels, nightclubs, wineries, private clubs, special events, caterers.
Maximum liquor liability limits: Per claim—$1 million; aggregate—$3 million.
Special coverage features: Assault and battery, wind coverage for property, spoilage.
Coverage available in: All states
For more information: Nancy Williams, NIF Group, 30 Park Ave., Manhasset, NY 11030. 516-365-7440. Fax: 516-365-7392. [email protected], www.nifgroup.com.

Professional Liability Insurance Services Inc. Underwriting
Insurer(s): Certain underwriters at Lloyd’s.
Type/size for restaurants: Any type or size.
Type/size for hospitality risks: Any type or size.
Special coverage features: Loss of business income; extra expense for foodborne illness outbreaks for restaurants/hospitality. Broad range of limits. $0 deductible available. 24/7 crisis management included.
Coverage available in: All states.
For more information: PLIS product team, Professional Liability Insurance Services Inc. Underwriting, 5802 Thunderbird Building 10 Ste. 100, Lago Vista, TX 78645. 800-761-7547. Fax: 512-327-5834. [email protected], www.plisinc.com.

Russell Bond & Co. Inc.
Insurer(s): Various admitted and non-admitted carriers rated “A” or better.
Type/size for restaurants: Fast foods, fine dining, taverns, family style restaurants, nightclubs, caterers, push cart vendors, lounges-no size limitations.
Type/size for hospitality risks: Hotels, motels, bed/breakfast, bungalow colonies, resorts, dude ranch.
Maximum general liability limits/restaurants: Per occurrence—$3 million; aggregate—$3 million.
Maximum general liability limits/ hospitality risks: Per occurrence—$3 million; aggregate—$3 million.
Maximum property limits for hospitality risks: $300 million.
Liquor liability risks written: Manufacturers, distributors, restaurants, taverns, package liquor stores, hotels and motels, nightclubs, wineries, private clubs, special events, caterers.
Maximum liquor liability limits: Per claim—$1 million; aggregate—$2 million.
Special coverage features: Excess limits to $10 million/$10 million.
Coverage available in: AL, AZ, CA, CO, CT, DE, FL, GA, IA, IL, IN, KY, LA, MA, MD, ME, MI, MN, MS, NC, NE, NH, NJ, NM, NV, NY, OH, PA, RI, SC, TN, TX, VA, VT, WA, WI and DC.
For more information: Rick Smith, Russell Bond & Co. Inc., 295 Main St. Ste 866, Buffalo, NY 14203-2595. 800-333-7226 x131. Fax: 800-677-6779. [email protected]. www.russellbond.com.

S.H. Smith & Co. Inc.
Insurer(s): Various carriers rated “A” or better.
Type/size for restaurants: All sizes of bars, taverns, restaurants, family style restaurants, take out.
Type/size for hospitality risks: All sized hotels, motels, bed and breakfast, inns.
Maximum general liability limits/restaurants: Per occurrence—$1 million; aggregate—$2 million. Higher limits may be available.
Maximum general liability limits/hospitality risks: Per occurrence—$1 million; aggregate—$2 million. Higher limits may be available.
Maximum property limits for hospitality risks: $1 million in binding authority.
Liquor liability risks written: Manufacturers, distributors, restaurants, taverns, package liquor stores, hotels and motels, nightclubs, wineries, private clubs, special events, caterers.
Maximum liquor liability limits: Per claim—$1 million; aggregate—$2 million.
Special coverage features: Assault and battery coverage can be considered, defense cost outside the limits, equipment breakdown coverage. Power outage coverage, preferred property extension, admitted and non-admitted markets.
Coverage available in: All states.
For more information: Cynthia Fontes, S.H. Smith & Co. Inc., 20 Church St. Suite 1500, Hartford, CT 06103. 860-561-3601 x6230. Fax: 860-656-1324. [email protected]. www.shsmith.com.

Specialty Insurance Agency
Insurer(s): Starr Indemnity & Liability.
Type/size for restaurants: All restaurants, bars/taverns, caterers, delis, etc.
Maximum general liability limits/restaurants: Per occurrence-$1 million; aggregate-$2 million.
Maximum property limits for hospitality risks: $10 million.
Liquor liability risks written: Restaurants, taverns, package liquor stores, nightclubs, caterers.
Maximum liquor liability limits: Per claim-$1 million; aggregate-$1 million.
Special coverage features: Plus D and equipment breakdown enhancements. Including money/securities, accounts receivable, extra expense, personal property, fine arts, outdoor property, building glass, etc., and steam boilers, refrigerant contamination, spoilage, pollutant clean up.
Coverage available in: CA, DE, FL, GA, IL, MA, MD, MI, MO, NJ, NY, OH, PA, RI and TN.
For more information: Mel Watters, Specialty Insurance Agency,1610 Route 88, Ste. 102, Brick, NJ 08724. 732-701-8900. Fax: 732-458-3728. [email protected]. www.specialtyagencyonline.com.

Stoermer Insurance Services
Insurer(s): Capitol, Montpelier, Essex, USLI, Century Surety, Founders, Penn America, Western Heritage, Atlantic Casualty, Catlin.
Type/size for restaurants: Any.
Type/size for hospitality risks: Any.
Maximum general liability limits/restaurants: Per occurrence-$1 million; aggregate-$2 million.
Maximum general liability limits/hospitality risks: Per occurrence-$1 million; aggregate-$2 million.
Maximum property limits for hospitality risks: Unlimited.
Liquor liability risks written: Manufacturers, distributors, restaurants, taverns, package liquor stores, hotels and motels, nightclubs, wineries, private clubs, special events, caterers.
Maximum liquor liability limits: Per claim-$1 million; aggregate-$2 million.
Special coverage features: Can offer a complete package including property extension, equipment breakdown, spoilage, ordinance of law, crime, signs accounts receivable.
Coverage available in: KY and OH.
For more information: Ed Stoermer, Stoermer Insurance Services, 6238 Far Hill Ave., Dayton, OH 45459, 800-333-7394. Fax: 937-433-5936. [email protected]. www.stoermerco.com.

W.A. Schickedanz Agency Inc.
Insurer(s): Various “A” rated admitted and non-admitted carriers.
Type/size for restaurants: All types and sizes.
Type/size for hospitality risks: All types and sizes.
Maximum general liability limits/restaurants: Per occurrence—$2 million; aggregate—$2 million.
Maximum general liability limits/hospitality risks: Per occurrence—$2 million; aggregate—$2 million.
Maximum property limits for hospitality risks: $1 million under binding authority with additional available.
Liquor liability risks written: Manufacturers, distributors, restaurants, taverns, package liquor stores, hotels and motels, nightclubs, wineries, private clubs, special events, caterers.
Maximum liquor liability limits: Per claim—$1 million; aggregate— $1 million.
Special coverage features: Complete package for taverns, bars and restaurants, including food spoilage in some states.
Coverage available in: AR, IL and MO.
For more information: David Miller, W.A. Schickedanz Agency Inc., P.O. Box 445, Belleville, IL 62222. 800-869-9976. Fax: 618-233-0672. [email protected], www.waschickedanz.com.