Illinois Casualty Company
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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 positions itself as a specialist food-and-beverage carrier with a broad hospitality appetite centered on establishments serving food and/or alcohol. Published target classes include restaurants from fast food to fine dining, including delivery and non-alcohol risks; taverns, sports bars, and college pubs with 0% to 100% alcohol sales; breweries, distilleries, and wineries with on-premises consumption, off-premises tastings, and distribution; package liquor stores for off-sale only with no on-premises consumption; nightclubs and gentlemen’s clubs with exposures such as live entertainment, dance floors, and door security; retail and non-pharmaceutical medical cannabis dispensaries including CBD stores; fraternal organizations; convenience stores with or without gasoline, cooking, and self-service car washes; and banquet centers and catering operations. Key eligibility/restriction notes published on the program page include: package liquor store business is intended for no on-premises consumption; cannabis appetite excludes stores whose primary product is e-cigarettes or vaping supplies; fraternal organizations require a permanent building typically including a bar and kitchen; and catering risks must have a permanent commercial kitchen. ICC also publishes Workers Compensation and Umbrella Liability as available companion lines, and notes Liquor Liability can be written standalone for many more business types. Broker/producer guidance indicates the carrier limits distribution and is selective about agency appointments. Agencies seeking appointment are asked whether they concentrate in the food and beverage niche, whether a principal is actively involved in the niche, expected premium in the first 12 months, how that premium will be generated, and what competing food-and-beverage markets they already represent. Additional underwriting guidance from ICC’s 2026 hospitality entertainment article suggests agents are expected to act as frontline underwriters and fully disclose entertainment or unusual exposures up front. ICC states some entertainment-heavy or extreme exposures may be referred to the E&S market; examples discussed include live music, karaoke, trivia, mechanical bulls (potentially acceptable but likely with liability exclusion), and punching bag machines or more extreme attractions that can create cancellation or immediate remediation issues if not disclosed. Geographic notes were not clearly published on the verified pages reviewed, so no state appetite map or territorial restrictions were confirmed from official carrier sources.