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Hospitality
Our underwriters look for ways to write profitable business through designing
coverages, limits and deductibles based on individual risk attributions.

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< BUSINESS SEGMENTS HOME   | HOSPITALITY

General Liability, Property, Inland Marine, Liquor Liability coverage uniquely tailored to small neighborhood establishments engaged in the sale and service of alcoholic beverages, including bars, restaurants, taverns, fraternal organizations and package liquor stores. 
 

Eligible Operations Include:

 
• Bars and restaurants
• Fraternal organizations
• Package liquor stores  
       

Coverage Includes:

 
• General liability
• Property and property enhancements
• Hired and non-owned auto
• Equipment breakdown
• Liquor liability for most states
• Crime
• Inland marine
 
       

Program Highlights:
• CoverXSecurity can write policies utilizing multiple underwriting options
    • Admitted paper (Michigan)
    • Excess and surplus lines
• Assault and battery
    • Included
    • Excluded
    • Sublimit
• Limits
    • Property—up to $2 million
    • General liability—$1,000,000 occurrence/$2,000,000 aggregate
    • Liquor liability—$1,000,000 each common cause/$1,000,000 aggregate

Coverage Highlights:
• Property
    • Building and contents valued on a replacement cost or an actual cash value basis
    • Loss of income on an actual loss sustained basis and on a coinsurance form
    • Equipment breakdown options
    • Covered causes of loss, basic, broad and special perils
    • Property enhancement form adding coverages designed specifically for the hospitality industry
• Crime
    • Money and securities inside and outside of the premises
    • Employee dishonesty
• General liability
    • Premise and operations liability
    • Personal advertising liability
    • Products and completed operations liability
    • Hired and non-owned automobile liability
    • Liquor liability
        - No deductible
        - Servers/trainers discounts available
    • General liability coverage extension endorsement
    • Coverages written on an occurrence form


CoverXSecurity is committed to continuing to deliver cutting-edge insurance products and services. Please direct your submissions to: coverxuw@coverx.com

Learn more - Hospitality Brochure

Download our Hospitality Liability application
Download our Liquor Liability application

Southfield, MI

 
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