Liquor Liability

Liquor Liability Product Guide for Agents

Target Classes

  • Banquet halls & caterers
  • Bars & taverns
  • Bowling centers
  • Convenience stores
  • Comedy clubs
  • Delicatessens
  • Golf courses
  • Manufacturers/wholesalers/distributors
  • Microbreweries
  • Nightclubs (Limited availability)
  • Pizza & sub shops
  • Private clubs & fraternal organizations
  • Restaurants
  • Special events
  • Wine stores & wineries
  • Other commercial establishments with a liquor exposure

Subject to underwriting requirements by carrier for each geographic region.

Availability

Currently available in
AZ, CA, FL, IL, IN, KS, KY, MI, MN, NJ, NV, OH, OK, OR, SD, TN, WI

Special Features

  • 24 to 48-hour turn-around with completed submissions

Available Limits

  • $50,000 each common cause, $50,000 aggregate – select states
  • $100,000 each common cause, $100,000 aggregate
  • $300,000 each common cause, $300,000 aggregate
  • $500,000 each common cause, $500,000 aggregate
  • $1,000,000 each common cause, $1,000,000 aggregate

Restrictions

Nightclubs and any risk with greater than 75% alcohol sales may be required to provide proof of General Liability coverage, including Assault and Battery with limits equal to or greater than the liquor liability limits.

Prohibited Exposures include but are not limited to:

  • Any activities that encourage physical contact between patrons
  • Employees allowed to consume while on the job
  • Excessive state liquor code violations

Liquor Liability Portal

CONTACT US

Susan Kachigian
Commercial Underwriting Manager, AVP
(810) 844-8160
[email protected]

Tonya Newby
Senior Underwriter
(810) 844-8159
[email protected]

Download a copy of our Liquor Liability product profile today

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