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The product pages provide a brief overview of the many different types of accounts we can help you place.  Select a product from the left to learn more about it.  If you have questions regarding a particular risk or program, please feel free to call us at (800) 648-0357 and we will be glad to help.

Liquor Liability

This product provides liquor liability for restaurants, taverns, bars, carryout, drive-thru stores, package stores, private fraternal clubs and special events.

Coverages
Guidelines
Applications
  • Liquor Liability

    $1,000,000 / $1,000,000 in house authority, can do higher limits on larger risks if needed.

    A&B sub limits available on qualified risks.

  • Underwriting

    Important underwriting points are the nature of the establishment, customer base, entertainment, management experience and loss experience. Risks must be able to demonstrate good experience, sound management and have implemented appropriate safety measures.

    Eligible Classes
    Adult Entertainment Establishments
    Dance Halls and Ballrooms
    Bars and Taverns
    Distributors
    Beverage/Package/Liquor Stores
    Golf Courses – Municipal/ Public
    Bowling Alleys
    Grocery Stores
    Caterers
    Hotels and Motels
    Clubs – Country or Golf
    Nightclubs
    Clubs – Fraternal
    Restaurants
    Clubs – Non-Fraternal (Civic, Service, or Social)
    Rental Halls
    Comedy Clubs
    Special Events
    Concessionaires
    Theaters
    Convenience Stores
    Wineries

    Prohibited

    • Risks featuring rap or hard rock performers
    • Liquor manufacturers as additional insured
    • Concert venues

    Available In

    • Indiana
    • Michigan
    • Ohio
    • Pennsylvania
    • West Virginia
  • Liquor Liability Application