General Liability, Liquor, Assault & Battery and more…

Restaurants, bars, taverns, and nightclubs have more to worry about than daily specials and what’s on tap, such as accidents in the kitchen and slips and falls from customers. Over-served patrons who get behind the wheel present a liquor liability. Fights among patrons or those with security personnel account for numerous assault and battery claims. Throw in a misguided dart, an unsuccessful mechanical bull ride or a fall on the dance floor and the recipe for risk increases. All Risks is a leading restaurant insurance wholesale broker with specialists who can help you craft the best coverage for your clients.

Highlights

  • Brokerage, binding and program capability
  • A.M. Best “A-” or better markets
  • Admitted and non-admitted carriers
  • Available nationwide
  • Monoline and package available

States:

  • Nationwide
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  • Restaurants, Bars and Taverns
    • Special events needing Liquor Liability
    • Microbreweries
    • Hotel bars
    • Liquor stores
    • Neighborhood bars
    • Pizza parlors
    • Sports bars
    • Late-night diners
    • Ethnic restaurants
    • BBQ smokehouses
    • Cigar bars
  • Large Nightclubs
    • Large nightclubs (frequency and severity losses OK)
    • Nightclubs on or near college campuses
    • New ventures (resume needed)
    • Large dance floor establishments
    • Pool halls
    • 100% liquor sales OK
    • Theme clubs
    • Adult clubs
  • Acceptable Risks
    • Up to 100% liquor receipts
    • Live entertainment
    • Dancing
    • Open until 2:00am
    • New businesses
    • Prior losses
  • General Liability
  • Assault and Battery (full limits available on risk by risk basis; Excess over A&B also available)
  • Liquor Liability
  • HNOA
  • Excess/Umbrella
  • ACORD form
  • Supplemental application will vary by risk
  • 3-5 year loss runs
 
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Product Guide

At a glance, all the information you need to make All Risks your wholesaler of choice.

 
Problem Solvers

Matt Nichols, President, explains how we add value to retail agent partners.

Promise to Our Partners

Our business is conducted as a three-way partnership; serving as the intermediary between our clients—retail insurance brokers who allow us to find the proper markets for their insureds and our carriers—the strategic partners that insure the risks that we place. We carefully select our retail broker partners and focus our resources where our abilities and interests best match.

We commit to our carriers that we will always provide all of the pertinent information that we have regarding any risk being submitted to them. We will never be guilty of failing to furnish information that is germane to underwriting a risk, simply because the underwriter did not ask us the right question.

 

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