​​  = an agent and an underwriter working together with C.A.L.M. 

​​  How can C.A.L.M. specifically lower your bar, restaurant, or nightclub's insurance premiums?  Click on a shield to ask an insurance agent involved in the program.


"I was working on the insurance renewal for a multi-location bar/tavern and our insured was in dire need of essential training for their security. Due to 5 open liability claims over the previous 3 policy periods, we were faced with a non-renewal from the insuring carrier and needed to implement some additional controls and risk management for competing companies to offer replacement quotes.  I worked with Steve and our carrier underwriters and getting our insured’s staff certified in the C.A.L.M. program satisfied their requirements to offer renewal quotes. The course is comprehensive, refreshing news for me and have been touting the importance of the C.A.L.M. programs to the other folks that I work with in the hospitality industry. Highly recommended and job well done." 
 Corey Schuster, CLCS, Former Assistant Vice President 

The Daniel & Henry Insurance and Risk Management Company

“As a former cop myself I can tell you that your techniques for diffusing and de-escalating potentially volatile situations are right on the mark.” 
Dennis Sekharan, AIC, AINS
Claims Manager
Illinois Casualty Company