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
Operational focus: Illinois Casualty Company (ICC) is a specialty carrier focused on the food and beverage industry (restaurants, taverns/bars, breweries, distilleries, wineries, package liquor stores, nightclubs/gentlemen’s clubs, cannabis dispensaries, fraternal organizations, convenience stores, banquet centers and caterers). Their core package is Businessowners/liquor/general liability with optional Workers Compensation and Umbrella Liability over those policies.([ilcasco.com](https://ilcasco.com/insurance-programs)) Preferred business: - Food and beverage risks in ICC’s defined programs, particularly restaurants (fast food to fine dining), taverns/bars/pubs, craft beverage risks, package liquor stores, and other hospitality classes listed on the Insurance Programs page.([ilcasco.com](https://ilcasco.com/insurance-programs)) - Accounts that place primary coverages (Businessowners, Liquor Liability, GL) with ICC, then add Workers Comp and Umbrella Liability as supporting lines — umbrella is described as providing higher limits over Businessowners or Liquor Liability, and Workers Compensation is listed as a standard coverage option for restaurant risks.([ilcasco.com](https://ilcasco.com/insurance-programs/restaurant-insurance)) - Risks open to loss control/inspection; ICC states that all new business is typically inspected within 60 days of binding and that they actively verify exposures and implement mandatory recommendations on fire protection, cooking, and premises safety. This indicates a preference for accounts willing to cooperate with inspections and corrective actions.([ilcasco.com](https://ilcasco.com/icc-blog/why-we-inspect-every-risk-we-write?utm_source=openai)) Workers Compensation – underwriting posture: - Written primarily to support ICC’s food & beverage book (restaurants, bars, breweries, etc.). Public-facing materials present Workers Compensation as one of the standard coverages offered to these hospitality classes, not as a stand‑alone offering for unrelated industries.([ilcasco.com](https://ilcasco.com/insurance-programs)) - Emphasis on accurate classification and exposure verification: inspections are used to verify building info, management involvement, entertainment, and cooking operations; discrepancies can lead to pricing adjustments or cancellation. Producers should expect similar scrutiny for WC payrolls, operations, and use of entertainment/security.([ilcasco.com](https://ilcasco.com/icc-blog/why-we-inspect-every-risk-we-write?utm_source=openai)) - ICC participates in multiple state WC markets (evidenced by loss‑cost multiplier filings and inclusion in state WC manuals), confirming that WC is an active product line; however, ICC does not publish a detailed WC class‑by‑class appetite publicly. Treat WC as primarily available for qualifying hospitality accounts within ICC’s core states rather than as a broad market for all NCCI codes.([insurance.kansas.gov](https://www.insurance.kansas.gov/companies/workers-compensation/workers-compensation-loss-cost-multipliers?utm_source=openai)) Commercial Umbrella – underwriting posture: - Umbrella Liability is promoted as excess limits over ICC Businessowners and/or Liquor Liability policies. Public content does not describe stand‑alone umbrella over non‑ICC primaries, so treat ICC umbrella as supporting coverage contingent on ICC being the underlying carrier.([ilcasco.com](https://ilcasco.com/insurance-programs)) - Targeted to the same food & beverage segments: restaurants (including delivery exposures), taverns/bars, nightclubs/gentlemen’s clubs, breweries/distilleries/wineries, package liquor, banquet/catering, etc. Umbrella is positioned as an enhancement to protect against high‑severity liquor and premises liability losses in this niche.([ilcasco.com](https://ilcasco.com/insurance-programs)) Geographic notes: - ICC is an admitted carrier in 18 states and identifies itself as a regional food & beverage specialist. Specific state list is provided graphically on their home page; appointed agents should verify current state availability but can expect concentration in Midwestern and surrounding states.([ilcasco.com](https://www.ilcasco.com/?utm_source=openai)) - Workers Comp and Umbrella availability follow ICC’s admitted‑state footprint and may vary by jurisdiction; state WC filings (e.g., Kansas, Iowa, Pennsylvania) confirm multi‑state WC activity but not all states shown in regulatory filings are necessarily part of ICC’s core marketing territory. Always confirm WC availability in the specific state before marketing.([insurance.kansas.gov](https://www.insurance.kansas.gov/companies/workers-compensation/workers-compensation-loss-cost-multipliers?utm_source=openai)) Restricted or declined classes (inferred from program focus): - ICC’s public materials consistently emphasize that they are a specialty food & beverage carrier. There is no indication that they target non‑hospitality contractors, manufacturing, habitational real estate, or other unrelated commercial segments. These should be treated as outside appetite for both WC and Umbrella unless supported by an ICC underwriter. - Within hospitality, higher‑hazard nightlife risks (nightclubs, gentlemen’s clubs, bars with significant live entertainment and security) are explicitly insured under a dedicated program, but ICC notes these risks are inspected annually, signaling tighter underwriting and higher scrutiny on controls, entertainment, crowd management, and security practices.([ilcasco.com](https://ilcasco.com/insurance-programs)) - Cannabis program is limited to retail and non‑pharmaceutical medical dispensaries and CBD stores; risks where primary products are e‑cigarettes or vaping supplies are excluded from that program, and similar restrictions are likely to flow through to WC and Umbrella appetite.([ilcasco.com](https://ilcasco.com/insurance-programs)) Inspection, loss control, and ongoing underwriting: - All new business policies are typically inspected within 60 days of binding. Underwriters use inspection results to verify exposures, ensure adequate pricing, identify coverage gaps, and issue mandatory recommendations to reduce hazards.([ilcasco.com](https://ilcasco.com/icc-blog/why-we-inspect-every-risk-we-write?utm_source=openai)) - Common mandatory items include: proper metal containers for oil/grease‑soiled rags, adequate separation or baffles between fryers and open flame, current and semi‑annual fire suppression servicing, and certified hood/duct cleaning with at least semi‑annual frequency, plus correction of missing/loose handrails and other premises hazards. Non‑compliance can result in pricing changes or cancellation.([ilcasco.com](https://ilcasco.com/icc-blog/why-we-inspect-every-risk-we-write?utm_source=openai)) - Renewals are reinspected every 3–5 years, with nightclubs and gentlemen’s clubs inspected annually, indicating ongoing review and the expectation that insureds maintain risk‑control standards.([ilcasco.com](https://ilcasco.com/icc-blog/why-we-inspect-every-risk-we-write?utm_source=openai)) Submission and producer notes (public‑facing): - ICC sells through appointed independent agents; the site stresses that distribution is limited and that they are selective about agency appointments. Prospective producers are directed to a “Become an Agent” process rather than open brokerage submission.([ilcasco.com](https://ilcasco.com/agents)) - New business is bound through appointed agents with access to ICC’s agent portal; detailed underwriting rules, rating tools, and class lists for WC and Umbrella are maintained behind login and are not published openly. Agents should rely on internal manuals and direct underwriter communication for specific class acceptability, required controls, and minimum premium or limit structures. - ICC’s blog and resources emphasize proactive risk management and regular communication about changes in entertainment, operations, or exposure mix (e.g., new bar trends, bar crawls, changes in entertainment). Agents are expected to update ICC promptly when insureds add or change entertainment or other material exposures to avoid surprise rating changes or coverage issues.([ilcasco.com](https://www.ilcasco.com/icc-blog/proactively-managing-risk-in-the-food-and-beverage-industry?utm_source=openai)) Practical takeaways for workers comp and umbrella placement: - Treat ICC as a niche market for hospitality WC and Umbrella, written in conjunction with ICC primary lines in their food & beverage programs. - Expect mandatory inspections shortly after binding and at periodic intervals; prepare insureds for possible corrective actions, especially around kitchen fire safety, premises maintenance (stairs/handrails), and entertainment/security controls. - Avoid submitting non‑hospitality WC or Umbrella monoline unless an ICC underwriter specifically encourages it; publicly available information supports a focused appetite rather than a broad commercial WC/umbrella play. - Confirm state eligibility and any program‑level restrictions with ICC before marketing, as public content confirms only that ICC is admitted in 18 states and active in multiple WC jurisdictions but does not provide line‑by‑line state maps for WC and Umbrella.