Liquor Liability

Drinking occurs at many major events and entertainment venues, and restaurant and bars serve alcoholic beverages to their patrons. What if someone is over-served? Your clients’ business may be held liable for the actions of intoxicated customers. Your clients need to protect their business with a Liquor Liability insurance policy.

Any business that sells or serves alcoholic beverages, including restaurants, nightclubs, and bars, can be held liable for damages or injuries caused by intoxicated patrons. This can include damages that result from fights and assaults, careless behavior or even automobile accidents. If a lawsuit occurs, the establishments that allowed them to become intoxicated can be held liable and could be sued for exorbitant sums of money. The right Liquor Liability policy will keep your client financially solvent in a claim or if a lawsuit arises.

With access to all top specialty markets and carriers, JenCap’s nationwide stable of companies will help you provide your clients with Liquor Liability that mitigates financial risks when a loss is incurred.

We offer this coverage for the following industries and classes:

  • Hospitality
  • Restaurants
  • Bars
  • Nightclubs
  • Sports Venues & Complex’s
  • Specified Special Events
  • Gentleman’s Clubs
  • Social Clubs
  • Billiard of Pool Halls
  • Bowling Alleys
  • Civic Clubs
  • Retail Liquor Stores
  • Taverns/Irish Pubs
  • Wholesale Distributors

Manufacturing

  • Automotive Equipment/Parts
  • Consumer Products of All Types (Including Toys)
  • Food Processing & Distribution
  • Heavy Machinery, Equipment & Tools
  • Invasive & Non-Invasive Medical Products
  • Pharmaceuticals (Including Clinical Trials)
  • Recreational & Safety Equipment
  • Sporting Goods
  • Valves & Boilers
  • Vitamin & Nutritional Supplements

Construction & Contractors

  • Automotive Equipment/Parts
  • Consumer Products of All Types (Including Toys)
  • Food Processing & Distribution
  • Heavy Machinery, Equipment & Tools
  • Invasive & Non-Invasive Medical Products
  • Pharmaceuticals (Including Clinical Trials)
  • Recreational & Safety Equipment
  • Sporting Goods
  • Valves & Boilers
  • Vitamin & Nutritional Supplements

Public Entities

  • Community Based Organizations
  • Counties
  • Dam Operations
  • Higher Education Institutions
  • Joint Power Authorities or Similar Pooling Arrangements
  • Municipalities
  • Religious Organizations
  • School Districts
  • Special Districts
  • Transit Districts (Including Light Rail Exposures)
  • Utilities
  • Recycling Facilities

Construction & Contractors

  • Automotive Equipment/Parts
  • Consumer Products of All Types (Including Toys)
  • Food Processing & Distribution
  • Heavy Machinery, Equipment & Tools
  • Invasive & Non-Invasive Medical Products
  • Pharmaceuticals (Including Clinical Trials)
  • Recreational & Safety Equipment
  • Sporting Goods
  • Valves & Boilers
  • Vitamin & Nutritional Supplements

This product offers the following features:

Coverage Highlights

  • Liquor Liability limits up to $1MM/$2MM
  • No sub-limit on Assault & Battery (except for adult clubs/nightclubs at $100,000/$300,000)
  • Defense costs outside limits
  • Liquor license holder included automatically as additional insured automatically
  • Risks with security and entertainment acceptable
  • No cap on alcohol sales volume

Custom Features

  • Can be written in conjunction with GL
  • Ability to write monoline Liquor Liability in most states
  • Ability to add Assault & Battery to most risks.

Thrift Store, Shelter, and Transitional Housing

  • Located in Washington
  • Package & Umbrella
  • Premium of $91,000

Credit Monitoring Firm

  • Located in New York
  • Technology & Cyber Liability
  • Premium of $23,571

General Contractor

  • Located in New Jersey
  • General Liability
  • Premium of $59,908

Beverage Manufacturer

  • Located in Georgia
  • General Liability
  • Premium of $33,571

Tract Home Builder

  • Located in Pennsylvania
  • General Liability
  • Premium of $13,708

Boys & Girls Club

  • Located in California
  • Package & Umbrella
  • Premium of $38,438

This product is available in available in: