Out of the four sectors of the hospitality industry (tourism, lodging, recreation, and food and beverage), USLI’s Hospitality and Liquor Lines team focuses on the food and beverage sector. As a Berkshire Hathaway company, we have financial stability and maintain an A.M. Best A++ rating. We also have over 35 years’ experience writing food and beverage accounts, which gives us the underwriting and claims expertise needed for this volatile product line.
We specialize in small to midsize businesses, offering admitted and non-admitted package or monoline coverage options in most states. We create and maintain competitive, stable products for a wide variety of on-premises and off-premises food and alcohol exposures. We also offer a competitive Special Events product, including coverage for wedding events.
MARKET ADVANTAGES
- Stability:
- Berkshire Hathaway company
- A.M. Best A++ rated
- Writing liquor liability for over 35 years
- Ease of Use:
- Expanded service hours
- No application required to get a quote
- Phone quote and web quote options
- Service:
- Goal of a three-hour turnaround on quotes and binders
- Accessibility
- Caring attitude
PRODUCT ADVANTAGES
- New ventures are eligible
- Accounts with losses, violations, cancellations and lapses in coverage may be eligible
- Assault or battery coverage included or available on most risks
- Defense costs coverage included outside of the liability limit and uncapped
- Broad appetite that includes:
- Property: no building age restriction; no ansul system or sprinkler system requirement; all construction types and all fire protection classes are eligible
- General liability: Mixed operations are eligible (e.g., restaurants with catering or food trucks), as are mixed use buildings (apartments or commercial occupants)
- Liquor liability: No cap on alcohol sales; live entertainment; close times after 12 a.m.; bouncers; security; doorpersons
We make it easy for you to write business with us by providing three options to obtain a quote — phone, web or email — and we will get you an answer in three hours. Please think of us for your next food and beverage risk.
