The rise in boutique alcohol producers, from microbreweries to distilleries and wineries, has presented increased risks and complexities in the liquor liability marketplace.
The policy is an extension of American Modern’s motorsports product line that includes motorcycles, ATVs and more, and offers the same coverage.
The insurance program, offered by the National Collegiate Athletic Association (NCAA), covers elite college athletes if an injury ends their playing career.
“It’s really important for every commercial client to have this coverage, which we’re keeping in mind as we’re growing our commercial book,” says independent agent Melissa Stallings. “As I’ve learned, employees are the bread and butter of a business.”
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The hospitality industry has been forced to reinvent itself by embracing game-changing tactics including online ordering, curbside order pickup and to-go beer and cocktails.
The product offers a multiline solution including professional liability, general liability, property, automobile umbrella and workers compensation coverage for health care facilities.
The advent of environmental, social and governance (ESG) programs has created opportunities for agents as the information for evaluating such risks is more readily available.
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