A RATED LIQUOR LIABILITY PROGRAM
Products/Programs
FEATURED CARRIERS:
PROGRAM FEATURES:
- First Dollar Coverage – No Deductibles
- Assault & Battery Buyback Available
- Separate Aggregate Limit for Each Location
- Defense Costs are Outside the Limits
- Occurrence ISO Coverage Form
SAMPLING OF CLASSES: (MANY MORE AVAILABLE)
- Bars and Taverns
- Beverage / Package / Liquor Stores
- Billiard or Pool Halls
- Bowling Alleys
- Caterers
- Clubs – Country or Golf
- Clubs – Fraternal
- Clubs – Non-Fraternal (Civic, Service or Social)
- Comedy Clubs
- Concessionaires
- Convenience Stores
- Dance Halls & Ballrooms
- Distributors
- Golf Courses – Municipal / Public
- Grocery Stores
- Hotels & Motels
- Nightclubs
- Restaurants
- Rental Halls
- Special Events
- Theaters
- Wineries
COVERAGE OVERVIEW:
- Occurrence Form
- The Limits of Liability apply on each common cause and aggregate basis
- Defense costs are covered in addition to the policy limits
- No deductible or SIR – first dollar coverage
- Assault & Battery coverage available as a buy-back on most risks at an additional charge
- Employees as additional insureds are covered at no additional charge
- Aggregate Limit applies separately to each designated Insured Premises (unless quoted otherwise)
- Additional Insured – Employees coverage is included at no additional charge
- Additional Insured – Lessor coverage and/or coverage for other additional insureds is optionally available for a minimal additional premium
- Additional Insured – Volunteers coverage is included at no additional charge on fraternal clubs and some special events
- Coverage is afforded only to the designated Insured Premises scheduled on the policy
- Federal “Act of Terrorism” coverage is optionally available at an additional charge
LIMITS OF LIABILITY AVAILABLE:
- $50,000 Each Common Cause/Aggregate
- $100,000 Each Common Cause/Aggregate
- $200,000 Each Common Cause/Aggregate
- $300,000 Each Common Cause/Aggregate
- $500,000 Each Common Cause/Aggregate
- $1,000,000 Each Common Cause/Aggregate
- $1,000,000 Each Common Cause/$2,000,000 Aggregate
COMMISSION:
- 12%
SUBMISSION REQUIREMENTS:
- Submission of Correct Application: (Click Link to Download)