Illinois Casualty Company
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Illinois Casualty Company (ICC) is a specialty admitted carrier focused almost exclusively on the food and beverage / alcohol‑serving sector. Their books and appetite are built around restaurants, taverns/bars, breweries, distilleries, wineries, package liquor, nightclubs/gentlemen’s clubs, fraternal organizations, convenience stores with alcohol, banquet/catering operations, and cannabis dispensaries. ([ilcasco.com](https://www.ilcasco.com/?utm_source=openai)) PREFERRED / TARGET BUSINESS (applies across WC and Umbrella where offered) - Core niche: On‑premises alcohol and food risks that fit one of ICC’s defined programs (Restaurant, Tavern, Brewery/Distillery/Winery, Nightclub & Gentlemen’s Club, Package Liquor, Fraternal, Convenience Store, Banquet/Catering, Cannabis Dispensary). ([ilcasco.com](https://www.ilcasco.com/?utm_source=openai)) - Accounts seeking a coordinated program including GL, liquor liability, property, umbrella and, where eligible, workers compensation with ICC as the main carrier for the food/beverage operation. - Insureds that understand liquor‑liability exposures and have established age‑verification and responsible‑service controls (implied by ICC’s positioning as a liquor‑focused expert and its association with restaurant/beverage groups). ([ilcasco.com](https://www.ilcasco.com/?utm_source=openai)) RESTRICTED / DECLINED CLASSES (inferred from niche positioning) - Non‑hospitality or non‑food/beverage accounts are generally outside appetite; ICC is marketed as “exclusively for the food and beverage industry,” so Main Street non‑hospitality WC or generic umbrellas should be assumed out of scope. - Manufacturing, construction, transportation, and other heavy industrial WC or umbrella that are not directly tied to a food/beverage risk are not typical targets and should be routed elsewhere. - Cannabis: ICC’s program is limited to retail and non‑pharmaceutical medical dispensaries and CBD stores; cultivation, extraction, and higher‑hazard cannabis operations are outside the described appetite. ([ilcasco.com](https://ilcasco.com/insurance-programs?utm_source=openai)) - Nightclubs and gentlemen’s clubs are a defined program class but will usually be under tighter underwriting review for assault & battery, weapons, and late‑night exposures; expect stricter controls, higher minimum limits and possible exclusions. GEOGRAPHIC NOTES - ICC is an admitted carrier in multiple states concentrated in the Midwest and select additional territories; historically they have emphasized Midwestern states such as IL, IA, IN, MN, MI, MO, OH, WI and have expanded to a broader 18‑state footprint. ([ilcasco.com](https://www.ilcasco.com/?utm_source=openai)) - Territory remains focused where liquor and restaurant trade groups recognize ICC as a preferred or endorsed carrier; check current ICC state map and your agency’s appointment for specific state eligibility before marketing new WC or umbrella accounts. WORKERS COMPENSATION – OPERATIONAL NOTES - WC is positioned as part of ICC’s integrated program for hospitality insureds, not as a general mono‑line market. WC submissions are strongest when tied to a food/beverage package or liquor liability placement with ICC. ([ilcasco.com](https://www.ilcasco.com/?utm_source=openai)) - Target operations: restaurant, bar/tavern, brewery/distillery/winery, fraternal clubs with on‑premises alcohol, convenience or package stores with significant beverage exposure, banquet/catering operations, and qualifying cannabis dispensaries. - Expect underwriters to review: hours of operation (late‑night), security measures, live entertainment or dance floor, prior losses (especially slips/falls, assault and battery, and kitchen injuries), use of leased or temporary staff, and presence of delivery drivers. - Non‑hospitality payroll (e.g., separate construction, manufacturing or transportation operations) should generally be split off and placed with another WC carrier. COMMERCIAL UMBRELLA – OPERATIONAL NOTES - Umbrella is intended to sit over ICC’s primary GL/liquor and related lines for hospitality risks, providing additional limits for bodily injury and liquor‑related claims. ([ilcasco.com](https://www.ilcasco.com/?utm_source=openai)) - Best fit is where ICC controls the primary casualty/liquor placement; an umbrella over non‑ICC primaries or over unrelated non‑hospitality exposures is generally outside appetite. - Expect appetite to vary significantly by class: - Restaurants/bars with good controls and no adverse loss history are better candidates for higher umbrella limits. - Nightclubs, strip clubs, and high‑capacity live‑entertainment venues will see tighter capacity and extensive scrutiny of incident history, crowd control, and security vendor arrangements. - ICC is a specialty liquor writer; underwriters will be sensitive to any gap or limitation in underlying liquor or assault & battery coverage that could create unanticipated umbrella exposure. SUBMISSION & BROKER / PRODUCER NOTES - ICC distributes through appointed independent agents; producers must be appointed or work through an appointed wholesaler/agency with access to ICC. ([ilcasco.com](https://www.ilcasco.com/?utm_source=openai)) - Strongest submissions package the full hospitality account (property, GL, liquor, umbrella, WC) on ICC forms, with: - Completed hospitality/restaurant or bar/tavern supplemental applications (including liquor sales %, entertainment, closing times, security protocols, incident logs). - 3–5 years of currently valued loss runs for all lines, with narratives on any severe liquor or assault claims. - Detailed breakdown of sales (food vs alcohol, on‑ vs off‑premises), payroll by class and role for WC, and any delivery or transportation exposure. - Many ICC programs are tied to or endorsed by state restaurant and beverage associations; producers should ask prospects about membership or eligibility for such groups, as association affiliation can support underwriting comfort and sometimes program pricing. ([sec.gov](https://www.sec.gov/Archives/edgar/data/1681903/000119312517043707/d208370d424b2.htm?utm_source=openai)) - Because ICC is a niche specialist, underwriters expect clean, hospitality‑specific submissions; incomplete accords or generic WC/umbrella submissions without clear food/beverage details are likely to be delayed or declined. PRACTICAL PLACEMENT GUIDANCE - Treat ICC as a go‑to market for bars, restaurants, liquor stores, clubs and related hospitality operations where you want an integrated package with strong liquor expertise, WC, and an in‑house umbrella. - Do not treat ICC as a broad market for non‑hospitality WC or generic commercial umbrellas; keep submissions tightly aligned with their food & beverage niche. - For any risk outside the clearly described hospitality programs, pre‑clear with your ICC marketing rep or underwriter before investing in a full submission.