Our Liquor Liability product targets small to medium-sized risks that sell, serve or distribute alcohol for on or off-premises consumption.
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Ineligible Monoline Liquor
Please note we cannot offer coverage to the following:
  • Pyrotechnic displays, moon bounces, trampolines, rock walls, swimming pools, oxygen bars or hookah lounges
  • Alcohol served outside of the legally allowable time frames
  • Hosts “Teen” or “Under 21” nights
  • Risks located in AK, LA or WV

Available Coverage for Monoline Liquor
  • Basic Form product features defense costs inside the limits of liability and an exclusion for assault or battery coverage
  • Top Shelf product provides coverage for defense costs outside the limits of liability, assault or battery coverage on most risks either included or available as a buy-back up to full limits, and includes coverage for liquor license holder as an additional insured
  • No deductible
  • Employees covered as an insured
  • Expanded definition of bodily injury to include mental anguish
  • Aggregate per location offered on multi-location risks
  • Credit available for responsible establishments with formal alcohol awareness training
  • Eligible classes of business include: restaurants, retail/takeout stores, nonprofit private, fraternal/social clubs, bars, taverns, adult entertainment clubs, nightclubs, banquet facilities, country clubs, wholesale distributors, bowling alleys/billiard halls, breweries, concessionaires, caterers and host liquor exposures

Coverage Limits Available for Monoline Liquor
  • Limits up to $1,000,000 each common cause/$2,000,000 aggregate in most states
  • District of Columbia, Vermont and Minnesota - restricted limits on certain classes