Hospitality isn’t just a sector; it’s a cultural ideal. At its heart, American hospitality represents the warm and generous reception of guests, visitors, and strangers. Our program is built in this spirit. We believe every insured, broker, and partner deserves to be treated with the same respect, responsiveness, and quality of service that defines great hospitality.

Why Throughline?

Our in-house program automation gives our wholesale brokerage partners authority to quote, bind, and issue policies instantly - unlocking faster placements, better service, and more growth. Our tailored coverage options and risk resources meet the unique needs of hospitality businesses.

Program Highlights

• Binding authority to quote, bind & issue in minutes

• Automated workflows & self-service capabilities

• Modular package: 

  • Property, BPP, BI, GL, Liquor, A&B, Products-Completed Ops, Excess

• Endorsement flexibility: 

  • EPLI, Equipment Breakdown, Auto (w/ delivery), and more

• Limits:

  • Property limits up to $1.5M per location

  • Primary GL limits up to $1M / $2M with up to $1M xs of underlying available

  • Liquor Liability up to $1M / $2M

  • Assault & Battery up to $1M / $2M

Target Risks

• Restaurants (full service, fine dining, casual, quick service)

• Bars, pubs, taverns, sports bars, wine bars, lounges, lodges

• Micro-brewery/brewpubs

• Comedy clubs, jazz clubs, live music venues

• Caterers

Underwriting Appetite

Industry leading pricing segmentation enables broad appetite.

• Annual revenue up to $10M

• New ventures acceptable

• Appetite in high risk liquor liability jurisdictions