Liquor Liability
Limits
Maximum limit is $1,000,000 each common cause / aggregate.
Coverage
We will offer Liquor Liability Occurrence Form.
- “Injury” which occurs during the policy period in the “coverage territory”
Policy Forms and Rates
Insurance Service Office and GIC Forms, GIC Rates, Endorsements apply in all cases.
Territory
State of Florida ONLY
Application
Use Liquor
Minimum Premium
$500 Minimum premium for limits of $500,000
$600 Minimum premium for limits of $1,000,000
Eligible Accounts
| -Restaurants | -Neighborhood Taverns | -Hotel-Motels |
| -Wholesaler or Distributor (no sales to the public) |
| -Grocery Store (no consumption on premises) |
| -Convenience Store (no consumption on premise) |
| -Package Store (no consumption on premises) |
Liquor Liability Prohibited List
- Night Club
- Risk with bouncers
- Risk that are on or near a college campus or caters to the college crowd
- Bring your own bottle establishments
- Caterers
- Permanent or temporary concession operations
- Two or more Liquor Liability incidents / losses / suits within the past three years
- Pool Hall or Billiard Parlors
- Private Clubs
- Auditoriums / Concert Halls
- Bowling Alleys
- Sports Bars
- Discos
- Liquor / Beer / Wine Manufacturers
- Distributors as Additional Insureds
- Casinos or Gaming establishments
- Special Events
- Establishments with live entertainment
- Risk with dance floors
- Exercise Studios
- Micro Breweries
- Restaurants & Neighborhood Taverns staying open past 2 a.m.
Updated 6/08