Liquor Liability Coverage from Bailey Special Risks
Bailey Special Risks, Inc. offers a comprehensive Liquor Liability program designed to help agents and brokers place business for a wide variety of hospitality and alcohol-related accounts. Backed by United States Liability Insurance Group and written on a non-admitted basis, this program provides flexible underwriting and competitive coverage solutions for insureds operating in this high-exposure class.
Ideal Accounts and Appetite
This program is designed to accommodate a broad range of risks, including:
- Bars and taverns
- Nightclubs (excluding "after hours" establishments with special licenses)
- Restaurants serving alcohol
- Liquor stores and retail distributors
- Wholesalers and alcohol distributors
Bailey Special Risks will consider almost any type of liquor-related business, with the exception of those that allow employees to consume alcohol while on duty or permit after-hours consumption under a special license. If your client operates a standard bar, neighborhood pub, or package store, this program is likely a strong fit.
Coverage Highlights and Advantages
- Limits available up to $1 million each common cause / aggregate
- Coverage tailored for retail and wholesale alcohol-related operations
- Access to markets with deep experience in liquor liability exposures
- Responsive underwriting and fast turnaround times
Whether your client is opening a new bar or expanding a successful restaurant that serves alcohol, this program offers the protection they need to manage third-party liability risks associated with alcohol service and sales.
Underwriting Notes
Submissions are reviewed on a case-by-case basis, and Bailey Special Risks takes a flexible approach to underwriting. While there is no published minimum premium, accounts are evaluated based on operations, hours of service, prior losses, and risk management practices. Prohibited exposures include businesses that allow on-duty employee consumption or operate with special after-hours permits.
Territories and Availability
This Liquor Liability program is available in the following states: AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD, MA, MS, MO, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WV, and WY. If you have clients in any of these jurisdictions, Bailey Special Risks is ready to assist with placement.
Why Work with Bailey Special Risks?
As a wholesale broker with deep experience in placing challenging and specialty risks, Bailey Special Risks brings strong market access and underwriting expertise to the Liquor Liability space. Their partnership with United States Liability Insurance Group ensures stability, while their agent-focused service model helps you place business quickly and efficiently. When you need a responsive partner for liquor-related accounts, BSR delivers specialized solutions that work.
Frequently Asked Questions
What types of accounts are a good fit for this Liquor Liability program?
This program is ideal for bars, taverns, restaurants that serve alcohol, liquor stores, and both retail and wholesale alcohol distributors.
Are there any types of risks that won't be considered?
Yes. Risks that allow employees to drink on the job or operate as after-hours establishments with special licenses are not eligible.
Is the coverage admitted or non-admitted?
This Liquor Liability program is written on a non-admitted basis through United States Liability Insurance Group.
What are the coverage limits available?
Limits are available up to $1 million each common cause/aggregate.
In which states is the program available?
The program is available in AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD, MA, MS, MO, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WV, and WY.
Need help placing an account? Connect with a market specialist.