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Liquor Liability Program


Policy Highlights

Eligible accounts include Restaurants, Bars/Taverns, Clubs, Convenience Stores, Grocery Stores, Hotels/Motels, Package Stores, Special Events, Breweries, Wineries and Liquor Manufacturers/Distributors whose employees have had alcohol awareness and server training.  Available on a mono-line or package basis and low minimum premiums.

Liquor Liability Coverage:
Primary Limits up to $3,000,000 Occurrence/ $3,000,000 Aggregate
- Additional Interests available—$100 each
- Excess or Umbrella Limits up to $25,000,000 (Umbrella Coverage not available for mono-line Liquor Liability)
*No Deductible Required 

Underwriting Considerations:
Alcohol awareness training (TIPS,TOPS)
- Prefer accounts where 50% or more of the clientele is over age 30
- Credits available on 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

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