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Liquor Liability

Businesses that sell and serve alcohol have a critical need for comprehensive Liquor Liability coverage, especially in today’s litigious environment, and what most insurance companies offer varies widely. The Liquor Liability policy serves all types of hospitality risks including hard-to-place bars and nightclubs.

Preferred Classes

  • Bars
  • Restaurants
  • Private Fraternal Clubs
  • Retail Liquor/Convenience Stores
  • Nightclubs
  • Adult/Gentleman’s Clubs
  • Banquet Halls
  • Carterers/Bartending Services
  • Wholesale Distributors
  • Various Unlicensed Risks

Limits Available

  • Up to $1M/$2M Liquor Liability
  • No sublimit on Assault & Battery ($100,000/$300,000 sublimit on adult clubs only)

Restricted Classes

  • Wineries
  • Bottle Service
  • Aggressive drink specials
  • After-hours clubs
  • Multiple prior Liquor and/or Assault & Battery claims
  • Territorial restrictions could apply