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Our broad range of liquor products are designed for businesses in the hospitality industry in addition to special events. We offer comprehensive coverage including assault or battery at an affordable price. We also offer a wide array of risk management tools including online alcohol training.

Bars/Restaurants:
We offer comprehensive liquor liability coverage for bars and all types of restaurants, including fast food, family restaurants, 24 hour diners and BYOB (bring your own bottle) establishments. Our broad eligibility includes new venture operations and risks featuring major entertainment, prior losses or violations, drinks specials, happy hours and youthful clientele. Assault or battery coverage is offered at full limits on most risks. Additional credits are available for insureds who complete a formal alcohol awareness training course not mandated by the state, and for insureds who utilize identification scanners to confirm the age of patrons. These products are available as monoline liquor liability or as a commercial package policy.

Fine Dining:
This product is specifically designed for fine dining or white tablecloth establishments. The unique feature is that we are able to offer our preferred restaurant rates even if alcohol receipts are greater than 25%. Assault or battery coverage is automatically included at full limits. In order to qualify, the restaurant must close by 12:00 AM, have an average entrée price of $20 and have a least 10 bottles of wine at $30 each on their wine list. This product is available as monoline liquor liability or as a commercial package policy.

Retail Liquor Stores, Convenience Stores & Wholesale Distributors:
Our product targets a wide variety of stores that sell or distribute alcohol for off-premises consumption. We can consider new venture operations, risks offering on-premises tastings, and those with losses or violations. Businesses with multiple locations can be considered, and we automatically offer an aggregate per location endorsement to our policy. Retail operations are available as monoline liquor liability, commercial package or Businessowner’s package policy.

Non-Profit/Private/Fraternal/Social Clubs:
Club Select is a product designed specifically to protect non-profit, private and fraternal club organizations. Coverage includes rental of their facilities and the service of alcohol for special events such as banquets, reunions, parties and weddings. Club members are automatically covered as insured’s under this product and there is no exclusion for injury to club members or their families.

Caterers:
We offer comprehensive coverage for licensed or unlicensed caterers, banquet halls, concessionaires and bartending services. Eligible risks include operations having annual sales up to $500,000 or up to 600 events, depending on the state. For risks that qualify for our Catering Plus Product, we offer two unique features: 1) Blanket Additional Insured Coverage is available for building owners, and 2) Assault or Battery coverage is automatically included for no additional premium.

Nightclubs/Adult Entertainment Clubs:
Our product targets small to mid-sized nightclubs/adult entertainment clubs. In the majority of states, eligible risks include new ventures for applicants having 3 years experience, and risks having prior violations or claims and happy hours. Assault or battery coverage is available on nightclubs at full limits on most risks. Additional credits are available for insureds who complete a formal alcohol awareness training course not mandated by the state, and for insureds who utilize identification scanners to confirm the age of patrons.

All Other:
In addition to above classes of business, our broad appetite includes Country Clubs, Bowling Alleys, Breweries, Drive- Through Retail Stores and Contingent Liability for rental
facilities or event planners.

Special Events

The Main Event:
Our product is designed to provide General Liability and/or Liquor Liability coverage for short-term events. Events with up to 10,000 attendees/10,000 consumers per day are eligible on most risks. We provide automatic coverage for volunteers and temporary or leased workers. The property owner can be included as an additional insured for no added charge.

The Host:
Our product is designed for events featuring Host Liquor Liability exposures when purchased with General Liability. One-day events with 500 attendees or less are eligible. Separate limits are provided for Host Liquor Liability and General Liability. The property owner can be included as an additional insured for no added charge.

Wedding Plus:
Our product is designed to cover General Liability and Host Liquor Liability for weddings. One-day events with 500 attendees or less are eligible.Rehearsal date can be included for no additional charge. General Liability and Host Liquor Liability have separate limits. $1,000 sublimit included for lost deposits and attire.

Special Event Product Features:

• Occurrence coverage
  
• Defense costs outside of policy limits
  
• Automatic coverage for Volunteers, Temporary or Leased Workers, and Committee Members
  
• Medical Payments coverage provided
  
• Coverage for Damage to Rented Premises provided
  
• No deductible
  
• Prize Indemnification

The Long Shot:
Our Long Shot Product is designed to offer Prize Indemnification Coverage for hole in one contests at golf tournaments. Prize value for up to $50,000 per hole and multiple holes can be covered on one policy. Coverage can be for a one day tournament or multiple days. Additional insureds can be included at no charge.

Long Shot Product Features:

• If a hole in one is made, an additional 20% of the prize value will be paid to the charity
  
• Unlimited prize restoration
  
• Competitive minimum premiums starting at $200
  
• Ladies permitted to shoot from the regular ladies tee box
  
• No deductible