Strong carrier relationships, creative, highly competitive solutions and 35 years brokering experience means great results for our agency/broker partners. Here is what our partners say about our work:

We help companies turnaround their non-profitable ventures into something that benefits them. Our specialty lies in understanding what makes a company special and what makes it tick.

“While working to place a significantly difficult account we had the good fortune to be referred to ICC.  Their  services as a wholesale broker and risk management consultant have been stellar.  In my 35 years as a commercial retail agent, ICC stands out as the most unique and creative wholesaler we have ever worked with.  Their  market resources run deep. Their  service extends far beyond the proposal. Their  advice and hands on help with presentation and closing has been a key factor assuring our success. Yes, we do heartily recommend ICC. They  go well beyond the extra mile, and do whatever is needed to close the deal.”  Paul Spilker, Spilker Insurance

With a wide array of products, ICC delivers results across a broad range of coverages for a variety of industries including:
  • Primary Casualty
  • Umbrella & Excess
  • Alternate Risk – large Deductible and captives including Workers Comp
  • Environmental Liability
  • Cyber Liability, Privacy and Media Liability
  • Management/Executive Liability
  • EPLI with Third Party coverage
  • Directors & Officers Liability
  • Contingency Liability including Event Cancellation, Prize Indemnity and Sports Disability
  • Property Insurance
  • Property Insurance including Business Income
  • Excess Property
  • DICs
  • Restaurant Reputation Risk
  • Product Recall

Innovative solutions and competitive pricing mean more business for you. Together, side by side, we will help you analyze the many ways you can resolve your clients’ risks, leading you to inspired solutions and more commissions. We’re are not just placers, we are your partner finding the right answers to grow your business.

Wholesale - Industries

  • Restaurants & Hospitality
  • Bars, Tavern, Nightclubs
  • Entertainment risks
  • Sports & Fitness
  • Commercial Real Estate
  • Manufacturers

Looking for Innovative Wholesale Solutions at Competitive Prices?

Whether you operate a bar, more about quick-serve restaurant, erectile tavern, nightclub, discotheque, lounge, comedy club or an adult entertainment venue, it’s a high-risk business and requires the right insurance program to ensure you, your business and your employees are protected. At ICC we understand the unique challenges facing your business. Our custom insurance solutions and specialized coverages are available for a wide range of your risk exposures. From liquor liability to assault and battery to food safety, ICC is there side by side to protect you and your assets.

We have powerful partnerships with our distribution network of agents and brokers throughout the US, backed by A-rated (A. M. Best) global carriers dedicated to serving the hospitality sector. These partnerships, combined with ICC’s 100+ years of hospitality knowledge and experience enables us to deliver the most innovative, comprehensive and competitive solutions.

Availability: most states

Target Market & Eligibility

  • Full-service and preferred quick-service restaurants
  • Taverns, bars, lounges, nightclubs, comedy and dance clubs, live music venues and restaurants
  • High-end, on-premises catering with or without entertainment and dancing
  • Minimum sales of $750,000, Minimum Premiums of $10,000


  • Surplus lines carrier rated “A XI” by A.M. Best" to "Surplus lines carrier rated “A XV” by A.M. Best
  • Great pricing, broad coverage
  • GL/LL and Property Package available with comprehensive property enhancement form included
  • Policies bound under $50,000 in premium are non-auditable (not available for new ventures)
  • Premium bearing accounts over $50,000 or new ventures not subject to any minimum & deposit
  • First dollar coverage for GL/Liquor and Assault & Battery
  • General Liability limits of $1,000,000/$2,000,000
  • Liquor liability limits of $1,000,000/$2,000,000
  • Assault & Battery included with defense outside the limit of $1,000,000

If the establishment has in-house employed security, bouncers, ID checkers and or door hosts, all individuals with those roles associated with responding to a physical altercation must verify completion an approved training program for eligibility.

If the establishment has contracted 3rd party security, we require a copy of an acceptable agreement and Certificate of Insurance naming our insured and any landlord entities for our files.

Nightclub Security Consultants is an approved security training partner that may require additional compliance given the insured’s particular situation and exposures:


Available coverage enhancements, subject to underwriting:



ICC Restaurant Enhancement


Accounts Receivable


Brands and Labels


Computer Fraud


Debris Removal

25% + $100,000

Employee Dishonesty


Fine Arts


Newly Acquired Fine Arts

30 days


Fire Department Service Charge


Fire Extinguisher Systems Expense

including Automatic Cooking Protection Systems

No Deductible


Forgery or Alteration


Lost Key Consequential Loss

$100 Deductible


Money and Securities

$25,000 IN / $10,000 OUT

Money Orders and Counterfeit Money


Ordinance or Law – Building or Tenants I&B (A) Undamaged Portion

Bldg./I&B deductible

Included in Building Limit

Ordinance or Law – Building or Tenants I&B (B) Demolition Costs


Ordinance or Law – Building or Tenants I&B (C) Increased Cost of Construction


Ordinance or Law – Equipment

Within limits


Reward Payment

N/A in New York


Utility Services – Direct Damage, including Spoilage

Bldg./BPP Deductible



Boundary Extension

1,000 feet

Extended Computer Coverage

$100,000 HW / $100,000 SW

Computers in transit or off-premises


Artificially Generated Electrical Current

Within limits


Newly Acquired or Constructed Property

90 days

$1,000,000 Bldg. & BPP

Outdoor Property

$25,000 ($1,000 tree/shrub)

Outdoor Signs


Pairs or Sets

Within limits


Personal Effects / Property of Others


Including Checkroom Theft

$250 Deductible

$25,000 ITEM / $50,000 AGG

Property in Transit

BPP Deductible


Property Off Premises

BPP Deductible


Sewers and Drains -  Back Up


Tenant Glass

Included if lease requires

Valuable Papers and Records



Food Contamination

24 hr. Deductible

$25,000 BI / $25,000 EE

Utility Services – Time Element

24 hr. deductible or BI or COL deductible, whichever is longest

$100,000 per location (up to maximum of $500,000 for any one “named storm” regardless of  # of locations)

$1,000 deductible applies unless stated elsewhere in the endorsement.

If there is a Deductible or “period of restoration” that applies to a specific Cause of Loss that is covered within your policy, that specific Cause of Loss Deductible or “period of restoration” supersedes any Deductible or “period of restoration” within this endorsement. This includes, but is not limited to, a Deductible or “period of restoration” for windstorm, earth movement, earthquake or flood.

Executive Team

Dean CarrasPresident

Dean Carras has spent more than thirty years in the insurance industry, focusing on specialty programs.  Early in his career he foresaw how concentrating on a market niche creates value for policyholders—better coverage at lower prices. 

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Leslie Nylund, CPCUChief Operating Officer

Leslie has over thirty years in the insurance industry and is a well-known industry veteran with deep carrier relationships.

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Robert Crowell, CPCUExecutive Vice President

Rob has over twenty-five years of experience in the insurance industry, including roles with managing general agencies insurance carriers, and brokers.

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Paul Giunto, CPCUExecutive Vice President

Paul Giunto’s insurance career has involved major posts at large brokerage firms, including Johnson & Higgins, Marsh & McLennan and Aon.

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Bob Hartmann website
Thomas HartmannDirector of Programs

Tom Hartmann's thirty years of experience in the hospitality program administration space spans underwriting, claims, operations, sales and broker distribution.

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