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 publishes a focused food-and-beverage risk appetite rather than a broad multi-industry guide. ICC positions itself as a specialist for businesses involved in food, alcohol sales, and hospitality, and lists core policy offerings including Businessowners, Liquor Liability, Workers Compensation, and Umbrella Liability. Preferred business includes restaurants from fast food to fine dining; taverns, sports bars, and college pubs; craft beverage risks including breweries, distilleries, and wineries with on-premises consumption, off-premises tastings, and distribution; package liquor stores for off-sale operations; banquet centers; qualifying catering operations; fraternal organizations; convenience stores; and nightclub/gentlemen's club risks. ICC explicitly notes flexibility for restaurants with delivery exposure and restaurants with no alcohol sales, taverns with 0% to 100% alcohol sales, convenience stores with or without gasoline sales plus full or limited cooking and self-service car washes, banquet centers with or without a liquor license, and catering only when there is a permanent commercial kitchen. Fraternal organizations require a permanent building that typically includes a bar and kitchen. Cannabis appetite is limited to retail and non-pharmaceutical medical dispensaries and includes CBD stores; ICC specifically excludes retail stores where the primary product is e-cigarettes or vaping supplies. Package liquor store business is intended for off-sale operations with no on-premises consumption. Geography is published only at a high level: ICC states it is an admitted carrier in 18 states, but the site pages reviewed do not publish a state-by-state underwriting map on the appetite page itself, so broker confirmation of current state availability is advisable before submission. Submission/broker handling notes are light but consistent: prospects are directed to contact an ICC agent, the site includes Find an Agent and Agent Login paths, and ICC highlights its OnTAP alcohol-server training as part of its risk-management approach. No formal public producer submission checklist, minimum underwriting data set, or explicit declination list beyond the cannabis/vape restriction and package-store no-on-premises requirement was verified on the official pages reviewed.