Hospitality & Leisure

When you work with AmTrust E&S, you are partnering with flexible, knowledgeable and individual risk underwriters who recognize the unique liabilities associated with the hospitality industry. We analyze each account based upon management’s experience, loss history, housekeeping and life safety to custom tailor programs that offer comprehensive coverage at competitive pricing

AmTrust E&S will entertain a wide variety of classes ranging from "mom and pop" taverns and family restaurants to upscale restaurants, hotels as well as unique operations such as microbreweries and wine bars.

Available Coverage & Highlights

  • ISO CG 0001 12 07 Occurrence Coverage Form
  • Policy limits: $1 million per occurrence/$2 million general aggregate/$1 million liquor liability
  • Flexible rating programs: Guaranteed Cost, Deductible and Self Insured Retentions
  • Assault & Battery coverage available
  • Per location aggregate endorsements - aggregate caps of $3 million, $5 million and $10 million
  • Innkeeper’s Legal Liability/Employee Benefits Liability/Stop gap liability
  • Non-Owned and Hired Auto
  • Manuscript forms and endorsements tailored for individual risks

Targeted Classifications

Our appetite is broad and the following are just some of the classes of business written that reflect our appetite for business.
  • Restaurants & taverns < 60% liquor receipts
  • Convenience stores
  • Microbreweries & micro distillery
  • Banquet Facilities
  • Country Clubs, Private and Fraternal Clubs
  • Hotels & Motels
  • Wine tasting
  • Resort & Spas
  • Special Events
  • Package stores
  • Wine Bars
  • Unique Operations such as Vineyards and Importers

Unacceptable Classes

  • Night Clubs, Gentlemen’s Clubs, College bars

Attachment Points & Premium Thresholds

  • Deductibles: $2,500 to $25,000
  • Flexible minimum premiums by class of business, generally starting at  $15,000

Submission Guidelines

  • Cover note stating general description of operations, current and desired program, current carrier and target premium
  • ACORD Commercial Insurance Application and General Liability Application including appropriate supplemental application
  • Completed AmTrust E&S Liquor Liability Supplemental Application - if applicable
  • Loss summary along with currently valued company/TPA loss runs covering a minimum of five years
  • Minimum of five years of historical exposure data
  • Website information
  • Financials statements as appropriate