Liquor Liability Insurance

Bars/Restaurants

We offer comprehensive liquor liability coverage for bars and all types of restaurants, including fast food, family restaurants, 24-hour diners and BYOB (bring your own bottle) establishments.

Our broad eligibility includes new venture operations and risks featuring major entertainment, prior losses or violations, drinks specials, happy hours and youthful clientele. Assault or battery coverage is offered at full limits on most risks.

Additional credits are available for insureds who complete a formal alcohol awareness training course not mandated by the state, and for insureds who utilize identification scanners to confirm the age of patrons. These products are available as monoline liquor liability or as a commercial package policy.

Fine Dining

This product is specifically designed for fine dining or white tablecloth establishments. The unique feature is that we are able to offer our preferred restaurant rates even if alcohol receipts are greater than 25%. Assault or battery coverage is automatically included at full limits.

In order to qualify, the restaurant must close by 12:00 AM, have an average entrée price of $20 and have a least 10 bottles of wine at $30 each on their wine list. This product is available as monoline liquor liability or as a commercial package policy.

Convenience Stores & Wholesale Distributors

Our product targets a wide variety of stores that sell or distribute alcohol for off-premises consumption. We can consider new venture operations, risks offering on-premises tastings, and those with losses or violations.

Businesses with multiple locations can be considered, and we automatically offer an aggregate per location endorsement to our policy. Retail operations are available as monoline liquor liability, commercial package or Businessowner’s package policy.

Non-Profit/Private/Fraternal/Social Clubs

Club Select is a product designed specifically to protect non- profit, private and fraternal club organizations. Coverage includes rental of their facilities and the service of alcohol for special events such as banquets, reunions, parties and weddings. Club members are automatically covered as insured’s under this product and there is no exclusion for injury to club members or their families.

Caterers

We offer comprehensive coverage for licensed or unlicensed caterers, banquet halls, concessionaires and bartending services. Eligible risks include operations having annual sales up to $500,000 or up to 600 events, depending on the state.

For risks that qualify for our Catering Plus Product, we offer two unique features:

  1. Blanket Additional Insured Coverage is available for building owners
  2. Assault or Battery coverage is automatically included for no additional premium

Nightclubs

Our product targets small to mid-sized nightclubs. In the majority of states, eligible risks include new ventures for applicants having 3 years experience, and risks having prior violations or claims and happy hours. Assault or battery coverage is available on nightclubs at full limits on most risks. Additional credits are available for insureds who complete a formal alcohol awareness training course not mandated by the state, and for insureds who utilize identification scanners to confirm the age of patrons.

All Other

In addition to above classes of business, our broad appetite includes Country Clubs, Bowling Alleys, Breweries, Drive- Through Retail Stores and Contingent Liability for rental facilities or event planners.