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 niche carrier focused on the food and beverage industry, providing businessowners, liquor liability, workers compensation, and umbrella coverage primarily to operations that serve or sell alcohol, as well as related food-service risks. Preferred business: - Food and beverage classes specifically highlighted as target programs: restaurants (fast food to fine dining, including those with delivery and those without alcohol sales), taverns/sports bars/college pubs (0–100% alcohol sales), breweries/distilleries/wineries (including on-premise consumption, off-premise tastings, and distribution), package liquor stores (off-sale, no on-premises consumption), nightclubs and gentlemen’s clubs (including live entertainment, dance floors, and door security), cannabis dispensaries (retail and non‑pharmaceutical medical dispensaries, including CBD stores but not vape‑dominant retailers), fraternal organizations (permanent building with bar and kitchen), convenience stores (with/without gas, full or limited cooking, self‑service car washes), banquet centers and caterers (banquet centers with or without liquor license; caterers must have a permanent commercial kitchen). - ICC describes a broad appetite for restaurants and will write establishments with significant liquor exposure, including up to 100% alcohol sales for taverns and similar risks, indicating a strong comfort level with hospitality accounts that many standard carriers avoid. Workers Compensation: - Offered as part of ICC’s overall program to protect food and beverage businesses; positioned as standard workers compensation coverage responding to employer obligations for work-related injuries. It is implicitly intended for the same target classes listed above (restaurants, taverns, breweries, liquor stores, etc.) rather than for general industry or non‑hospitality accounts. - No class-by-class WC inclusion/exclusion grid is published publicly; assume appetite generally mirrors ICC’s core food-and-beverage classes and that non‑hospitality operations, high‑hazard industrial accounts, and construction/contracting are outside appetite unless confirmed via underwriting. Commercial Umbrella: - Umbrella liability is offered as higher limits over ICC’s businessowners and/or liquor liability policies for the same core hospitality risks, enabling insureds to buy additional limits above primary GL/liquor/BOP. - Umbrella is therefore most appropriate when ICC controls the underlying lines (BOP/GL, liquor) on qualifying food and beverage accounts. Restricted or declined risks (inferred from program descriptions): - Cannabis retail: ICC will write cannabis dispensary coverage only for retail and non‑pharmaceutical medical dispensaries and CBD stores; retail stores whose primary product is e‑cigarettes or vaping supplies are specifically not included in the program. - Food and beverage: Package liquor program is intended for off‑sale operations with no on‑premise consumption; locations with on‑premise consumption belong in tavern, restaurant, or nightclub/gentlemen’s club programs and may be declined if they do not fit those structures. - Catering: Caterers must have a permanent commercial kitchen; home‑based or mobile‑only caterers without a permanent commercial kitchen are implicitly outside appetite. - Fraternal organizations must operate from a permanent building, typically including bar and kitchen; ad‑hoc or hall‑rental only risks without this profile may be outside appetite. - Vape-dominant retailers, non‑hospitality heavy manufacturing, construction, and other non‑food‑and‑beverage operations are not described in the program materials and should be assumed out of appetite unless an ICC underwriter confirms otherwise. Geographic notes: - ICC states it is an admitted carrier in 18 states; the site displays a territory map but does not list states in text on the referenced page. Agents should verify current eligible states via agent portal, territory map, or underwriting before marketing to out‑of‑state accounts. - Focus remains on U.S. food and beverage establishments; no indication of international appetite. Submission and producer instructions: - ICC limits its distribution and emphasizes building ‘true franchise value’ in its agency contracts. They welcome new opportunities but are selective; interested agencies must apply via the “Become an Agent” process rather than expecting open‑broker access. - Agent login and additional underwriting/program materials are gated behind the agent portal. Detailed rating rules, class codes, and WC/umbrella underwriting guides are not public; producers must use portal resources or contact their ICC underwriter/marketing rep for specific class questions, especially for workers compensation or higher‑hazard liquor/entertainment risks. - For catering, banquet centers, and cannabis dispensaries, pay close attention to eligibility conditions (permanent commercial kitchen, retail/non‑pharma only, not vape‑dominant, etc.) before submission, as these appear to be bright‑line program requirements. Operational guidance for brokers: - Treat ICC as a specialist hospitality market: lead with restaurants, bars/taverns, breweries/distilleries, nightclubs/gentlemen’s clubs, package liquor, fraternal organizations, banquet/catering, convenience stores, and cannabis dispensaries that are already comfortable with strong liquor liability and risk management expectations. - When targeting WC and umbrella, prioritize accounts where ICC also writes the BOP/GL and liquor; these are most likely to fit appetite and receive competitive terms. - Use ICC’s restricted notes to quickly screen out vape shops, non‑food retail, construction, and non‑hospitality classes instead of submitting marginal accounts. - Confirm state eligibility and any current program nuances through the agent portal or ICC marketing/underwriting before promising terms in a new state or for a borderline class, as the public pages emphasize overall focus but not state‑by‑state rules or line‑of‑business carve‑outs.