Liquor Liability

A Toast To Increased Profits.

Eligible accounts include Restaurants, Bars/Taverns, Casinos, Clubs, Convenience Stores, Grocery Stores, Hotels/Motels, Package/Liquor Stores, Special Events, Breweries, Wineries and Liquor Manufacturers/Distributors whose employees have had alcohol awareness and server training.
Available on a monoline or package basis.
Low Minimum Premiums

Liquor Liability Coverages

  • Primary Limits up to $1,000,000 Occurrence/$3,000,000 Aggregate
  • No Deductible required
  • Additional Interests available-$100 each
  • Excess or Umbrella Limits up to $25,000,000
  • (Umbrella Coverage not available for monoline Liquor Liabilty)

Underwriting Considerations

  • Alcohol awareness training if serving alcohol (TIPS,TOPS)
  • Prefer accounts where 50% or more of the clientele is over age 30
  • Credits available on specific accounts that have less than 25% of liquor sales in relation to total sales
  • Assault and/or Battery Limited Liability Coverage Form (per event) included with $25,000/$50,000 Limits for Bars and Taverns (not applicable in CA, FL, HI, MI, MN, and TX)

Coverages and exclusions differ by carrier and by state. Specific concerns can be discussed with an underwriter.

800.635.4742, Ext.98303