Hospitality (Including Liquor) Excess Insurance
Alta Risk offers unsupported excess coverage for hospitality risks, including liquor. Our strength is in specialty markets that many are hesitant to insure. By hiring top industry talent, we can provide select wholesale brokers with unmatched underwriting solutions.
Target business classes include:
- Restaurants
- Hotels
- Country clubs
- Banquet halls
- Beer/ale/liquor manufacturing
- Beer/ale/liquor distributing
- Liquor stores
- Convenience stores with liquor sales
- Grocery stores with liquor sales
- Microbrew/winery with food sales
Not eligible risks:
- Any risk with over 75% liquor exposure (on-site consumption)
- Bars or taverns
- Buffalo Wild Wings, Twin Peaks or similar
- Concert venues, sporting events, and arenas
- Fairs, festivals or special events
- Amusement parks or amusement centers
- Any risk without an active TIPS Program
- Any risk that utilizes a bouncer
- If any location has a crime score above 60, and A&B coverage is requested
Limits
- Limits of liability up to $5M
Paper
- Follow form coverage is available on a non-admitted basis in all states except Alaska, New Hampshire, Pennsylvania and West Virginia
Submission requirements
- All underlying quotes
- 5 years CV loss runs for all UL coverage
- Applicable supplemental application
- ACORD applications
Preferred items for expedited quoting
- Exposure summary, including fleet summary
- Loss summary
- Corrective actions for large losses
- Underwriting narrative
- Named attachments
- Website
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