Program Administrators - Conifer Insurance Services

Conifer Insurance Services

Programs & Coverages: Cannabis Insurance Solutions, Food & Beverage Insurance Solutions, Craft Beverage Insurance Solutions, Mainstreet Insurance Solutions, Monoline Liquor Liability

M3001 W Big Beaver Rd | Suite 200 | Troy, MI 48084

P2484802990

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Company Description

​​​​​​Conifer Insurance Services is a specialty program administrator that provides agents and brokers with an innovative mix of insurance products for niche and underserved industry groups.

Programs & Coverages

Cannabis Insurance Solutions

Introduced in 2015, our comprehensive cannabis program offers products that are uniquely designed to fulfill the special insurance needs of the cannabis industry. 

Carrier

  • A.M. Best A- (Excellent)

Target Classes

  • Dispensaries & Provisioning Centers 
  • Cultivators/Growers
  • Product Manufacturers
  • Lounges/On-Site Consumption 
  • Lab/Safety Compliance 
  • Extraction Companies
  • Microbusinesses
  • Transporters
  • Processors 

Coverage Information

  • General Liability 
  • Product Liability 
  • Marijuana Liability 
  • Property 
    • Buildings 
    • Crop & Stock 
    • Business Income 
    • Equipment Breakdown
    • Property Enhancement Endorsement (Over 20 additional coverages)
  • Hired & Non-Owned Auto 
  • Cyber Liability 

Availability

  • Admitted: Michigan
  • E&S: All Other States (Excluding FL & NY) 

Submission Requirements

Contact
Matt Webber
(248) 480-2990
mwebber@coniferinsurance.com

Food & Beverage Insurance Solutions

Our Food & Beverage Program is designed to serve the unique and changing needs of the industry and provides coverage options to business owners in a competitive and comprehensive package.

Carrier

  • A.M. Best A- (Excellent)

Target Classes

  • Bars, Taverns, Pubs, Bistros & Wine Bars
  • Fine Dining & Family Restaurants
  • Fraternal Organizations
  • Beer, Wine & Liquor Stores
  • Convenience Stores
  • Juice & Smoothie Bars
  • Coffee & Donut Shops
  • Bagel Shops, Cafes & Bakeries
  • Ice Cream Parlors

Coverage Information

  • General Liability 
  • Liquor Liability 
  • Property 
    • Buildings 
    • Business Income 
    • Equipment Breakdown
    • Property Enhancement Endorsement (Over 20 additional coverages)
  • Hired & Non-Owned Auto 
  • Cyber Liability
  • Excess Liability

Availability

  • Admitted: Michigan
  • E&S: Alabama, Colorado, Idaho, Illinois, Indiana, Kentucky, Ohio, Nebraska, North Dakota, South Dakota, Wyoming

Submission Requirements

Contact
Matt Webber
(248) 480-2990
mwebber@coniferinsurance.com

Craft Beverage Insurance Solutions

Our Craft Beverage Program is designed to serve the unique and changing needs of the industry and provides coverage options to business owners in a competitive and comprehensive package.

Carrier

  • A.M. Best A- (Excellent)

Target Classes

  • Cideries
  • Wineries
  • Brew Pubs
  • Micro Breweries
  • Regional Breweries
  • Micro / Craft Distilleries
  • Speciatly Crat Beer & Wine Shops

Coverage Information

  • General Liability 
  • Liquor Liability 
  • Property 
    • Buildings 
    • Business Income 
    • Equipment Breakdown
    • Property Enhancement Endorsement (Over 20 additional coverages)
  • Hired & Non-Owned Auto 
  • Cyber Liability
  • Excess Liability

Availability

  • Admitted: Michigan
  • E&S: Alabama, Colorado, Idaho, Illinois, Indiana, Kentucky, Ohio, Nebraska, North Dakota, South Dakota, Wyoming

Submission Requirements

Contact
Matt Webber
(248) 480-2990
mwebber@coniferinsurance.com

Mainstreet Insurance Solutions

Our Mainstreet Insurance Program provides coverage options to hospitality related classes that do not meet the definition of a restaurant, bar or tavern but carry a familiar risk profile. 

Carrier

  • A.M. Best A- (Excellent)

Target Classes

  • Tobacco Stores
  • Vape Stores
  • Cigar Stores & Lounges
  • Gas Stations
  • Retal Convenience Stores

Coverage Information

  • General Liability
  • Product Liability (Excluded for tobacco, vape or cigar risks)
  • Liquor Liability 
  • Property 
    • Buildings 
    • Business Income 
    • Equipment Breakdown
    • Property Enhancement Endorsement (Over 20 additional coverages)
  • Hired & Non-Owned Auto 
  • Cyber Liability

Availability

  • Admitted: Michigan
  • E&S: Alabama, Colorado, Idaho, Illinois, Indiana, Kentucky, Ohio, Nebraska, North Dakota, South Dakota, Wyoming

Submission Requirements

Contact
Matt Webber
(248) 480-2990
mwebber@coniferinsurance.com

Monoline Liquor Liability

Providing liquor liability coverage to business owners is the cornerstone of Conifer. With over three decades of experience, our Liquor Liability Program is designed for license holders seeking monoline liquor liability insurance.

Carrier

  • A.M. Best A- (Excellent)

Target Classes

  • Fine Dining & Family Restaurants
  • Bars, Taverns, Pubis & Cocktail Lounges
  • Liquor Stores, Other Off-Premise Sales
  • Grocery & Convenience Stores
  • Fraternal Organizations & Social Clubs
  • Civic Organizations & Private Clubs
  • Comedy Clubs & Dinner Theaters
  • Billiards, Pool Halls, Bowling Centers
  • Alcoholic Beverage Distributors

Highlights

  • High Liquor Receipts Considered
  • Premiums Based On:
    • Annual Liquor Receipts
    • Risk Type
  • No Deductible
  • Competitive and Stable Pricing
  • Limits Starting at $50,000
  • New Ventures Considered

Availability

  • Admitted: Michigan
  • E&S: Alabama, Illinois, Ohio

Submission Requirements

Contact
Matt Webber
(248) 480-2990
mwebber@coniferinsurance.com