Offered by Osprey Underwriters

Restaurants Nonprofits Retail Stores Hospitality Bars Social Clubs Fraternal Clubs Fraternal Organizations


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Bars/Restaurants: We offer a comprehensive package policy (property, general liability and liquor liability):

  • Family restaurants, 24-hour diners, fast food, fine dining, BYOB establishments, and bars/taverns with up to 100% in alcohol receipts
  • Coverage for higher hazard establishments such as new ventures, risks with major entertainment, bouncers, prior losses or violations, drink specials, happy hours and youthful clientele
  • Assault or batter is available on many accounts based on risk characteristics
  • Property coverage up to a $1.5 million total insured value
  • Buildings of any age, any construction type, with or without a fire extinguishing system, with or without a sprinkler system, and we can write in PC 1-10
  • Risks with mixed occupancy, habitational and partially vacant exposures
  • For general liability we offer low minimum premiums and no deductible
  • We have many different types of credits, including early close times

Retail Stores (Liquor Stores, Convenience Stores, Grocery Stores, Delicatessens) and Wholesale Distributors: Our product targets a wide variety of stores that sell or distribute alcohol for off-premises consumption

  • General liability for all classes of retail establishments
  • Property coverage for liquor stores and delicatessens (with no commercial cooking) up to a $3 million total insured value
  • New-venture operations, risks offering on-premises tasting/sampling, delivery, internet sales, drive-throughs and those with loss of violation history
  • Per location aggregate limit
  • Credits for electronic identification scanners and for establishments that close by 12 a.m. (An additional credit is offered for establishments that close by 8 p.m.)

Nonprofit/Private/Fraternal/Social Clubs: Our Nonprofit Package team can provide property, general liability, liquor liability, directors and officers and employment practices liability coverage for not-for-profit risks

  • Monoline liquor liability option to protect nonprofit, private and fraternal club organizations' exposures to liability arising from the sale/service of alcohol
  • Establishments that rent their facilities for special events, such as banquets, reunions and parties
  • Preferred pricing through a variety of credits
  • Automatically covered as insureds, and there is no exclusion for injury to club members or their families

Caterers: We can offer a comprehensive package (property, inland marine, general liability and liquor liability) or monoline coverage for licensed or unlicensed caterers, banquet halls, concessionaires and bartending services

  • Contingent liquor liability for rental halls and event planners
  • Two unique features for this product: 1) blanket additional insured coverage is available for building owners, and 2) assault or battery coverage is either included or available up to full limits on most risks

Nightclubs/Adult Entertainment Clubs: We can write all lines of coverage (property, general liability and liquor liability):

  • Property coverage up to a $1.5 million total insured value
  • In the majority of states, eligible risks include new ventures for applicants having three years of experience managing a nightclub as well as risks having prior violations, claims and happy hours

All Other: In addition to the above classes, our broad appetite also includes country clubs, bowling alleys, pools halls, breweries, beauty salons, painting studios and more


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Osprey Underwriters

Offered By

Osprey Underwriters

20 listings in 50 states + DC

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Availability 50 states + DC

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming


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