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Liquor Liability Coverage For All Types of Hospitality Risks

By December 5, 2016May 21st, 2020Insurance
All businesses that sell and serve alcohol need comprehensive Liquor Liability coverage, especially in today’s litigious environment. Emerge Insurance Agency offers Liquor Liability coverage for all types of hospitality risks, including hard-to-place bars and nightclubs, along with Assault & Battery coverage and liability limits up to $1,000,000/$2,000,000.

Product Highlights

  • Monoline Liquor Liability for establishments that sell or serve alcoholic beverages that offers protection for covered claims of negligent sale or service.
  • Assault & Battery coverage included or available for additional premium
  • No cap on alcohol sales
  • Defense costs outside the limit
  • Risks with security and major entertainment acceptable
  • Liquor License Holder included as Additional Insured automatically
  • Coverage available for both licensed and unlicensed operations

Limits Available

  • Liquor Liability – limits up to $1,000,000/$2,000,000 available
  • No sublimit on Assault & Battery ($100,000/$300,000 sublimit on adult clubs only)

Preferred Classes

  • Bars
  • Restaurants
  • Private Fraternal Clubs
  • Retail Liquor/Convenience Stores
  • Nightclubs
  • Adult/Gentleman’s Clubs
  • Banquet Halls
  • Caterers/Bartending Services
  • Wholesale Distributors

Restricted Exposures – options available

  • Wineries
  • Bottle Service
  • Multiple prior Liquor and/or Assault & Battery claims
  • After-hours clubs
  • Territorial restrictions may apply

Call us for a quote or with any questions