Two restaurants. Real results.
What they needed, what we changed, and what it cost. Real customers, with names withheld.
Lower cost. Added coverage.
South Bay, Los Angeles County · Spring 2026
Historic waterfront building, heavy alcohol sales, prior claim.
What they needed
A historic waterfront building, heavy alcohol sales, and a prior claim made this restaurant hard to insure. Several insurers declined it. The same insurer had renewed separate liability, liquor, and property policies for years, with no extra liability coverage.
What we changed
We approached more than ten insurance markets and built a detailed application. Through an insurance program designed for restaurants, we combined liability, liquor, and property coverage and added extra liability limits. Other locations received separate coverage.
$18,159 lower · 8.2% lower
Coverage changed. These are not identical policies.
Prior cost reconstructed, including taxes and fees. Before and after costs are approximate. The restaurant package sits within an overall structure with separate coverage for the other locations.
A prior result, not a prediction or guarantee. Every placement involves a different loss history, different exposures, and a different market appetite. Figures exclude workers' compensation and financing interest.
See the coverage details
How the liability layers changed
Excess coverage adds a layer above the primary liability policy. Limits are shown by layer.
Before: separate liability, liquor, and property policies. No excess coverage.
General liability · After
[Primary limit not provided]
Liquor liability · After
[Primary limit not provided]
Property
Before: separate property policy. [Prior property limits not provided]
After: $350K contents, $200K tenant improvements, equipment breakdown, and $25K spoilage.
Excess
Before: no excess. After: $2M over general liability and $1M over liquor liability.
Other locations
After: separate coverage within the overall structure. [Limits for other locations not provided]
Lower cost. One policy.
South Bay, Los Angeles County · Fall 2026
Clean loss history, low alcohol sales, sprinklered and updated building.
[Loss free lookback period not provided]
[Specific building updates not provided]
What they needed
This restaurant had a clean loss history, low alcohol sales, and a sprinklered, updated building. Its broker and insurer could not offer the restaurant insurance options we use. A separate liability policy and higher priced employment practices coverage added to the cost.
What we changed
We moved it to insurance designed for restaurants. The new policy kept the property limits, increased total general liability from $5M to $6M, and included employment practices and cyber coverage. Two policies became one.
$46,295 lower · 61.6% lower
Coverage changed. These are not identical policies.
The prior cost is the primary renewal ($58,328) plus the separate excess policy ($16,862). The new cost includes a $300 servicing fee.
A prior result, not a prediction or guarantee. Every placement involves a different loss history, different exposures, and a different market appetite. Figures exclude workers' compensation and financing interest.
See the coverage details
How the liability layers changed
Excess coverage adds a layer above the primary liability policy. Limits are shown by layer.
Before: one package from one carrier plus a separate $3M excess policy. After: one package policy.
Before
[Prior primary liquor limit not provided]
After · With Glacier Point
Total general liability increased from $5M to $6M. Before: $2M primary plus $3M excess. After: $1M primary plus $5M excess.
Property limits kept
Before and after: $281,400 contents and $545,200 tenant improvements.
Employment practices
Before: higher priced coverage. [Prior limit and cost not provided]
After: $100K employment practices in the package.
Cyber
Before: [Prior cyber coverage not provided]
After: $50K cyber in the package.
A prior result, not a prediction or guarantee. Every placement involves a different loss history, different exposures, and a different market appetite. Figures exclude workers' compensation and financing interest.
Where coverage is placed on a surplus lines basis, it is subject to applicable surplus lines disclosures and diligent search requirements.
Last updated: October 3, 2026