Overview of the Liquor Liability Program
Geo. F. Brown & Sons, Inc. places a Liquor Liability program designed for agents handling alcohol-exposure risks that need broad liability protection with optional enhancements. The program can be bound alongside General Liability, Property, Package and Non-Owned Auto to create a consolidated account solution. Assault & Battery (A&B) coverage is available as part of the offering. Carriers on the program include AIG, Badger Mutual Insurance Company, IAT Group, Penn America Insurance Company and RSUI.
Ideal Accounts and Appetite
- Bars, taverns and nightclubs (including venues with late close times and dance floors)
- Restaurants and brewpubs that serve alcohol
- Retail stores with on-site tastings or alcohol sales
- Private clubs, social clubs and gentlemen’s clubs
- Entertainment venues with alcohol service — e.g., live music, DJs, small stages
This program is well-suited for small- to mid-sized operations that maintain clear alcohol service controls, trained staff, and documented risk-management practices. Accounts with repeated liquor violations, frequent large-scale fights, or unlicensed service activity are generally poorly suited and should be disclosed up front for proper underwriting consideration.
Coverage Highlights and Advantages
- Primary Liquor Liability forms specifically tailored for on-premises exposures
- Assault & Battery included or available as an add-on to address violent-incident exposures
- Ability to package Liquor Liability with GL, Property, Package and Non-Owned Auto for simplified placement and consolidated terms
- Access to multiple national and regional carriers offers flexibility on limits, forms and admitted vs. non-admitted placement depending on state and account characteristics
- Underwriting that rewards strong loss control — responsible beverage policies, staff training, incident reporting and security practices are favorable
Underwriting Notes and Minimum Premiums
Underwriters evaluate annual alcohol receipts, percentage of sales from alcohol vs. food, hours of operation, occupancy and security measures. Prior liquor-related losses, license history and location (proximity to after-hours hotspots) are also important.
Minimum premiums and exact terms vary by carrier and state. Submit a complete package — current application, three years of loss runs, liquor license status, menu breakdown (food vs. alcohol percentages), payroll, occupancy limits, security procedures and any staff-training documentation — to receive the most accurate indications and quickest responses.
Territories and Availability
This program writes in: AZ, CA, CO, CT, FL, GA, IL, IN, IA, MA, MI, MN, NJ, NY, NC, OH, OR, PA, SC, TX, VT, VA, WA and WI. Coverage availability and admitted vs. non-admitted placement options depend on the carrier selected and the state; underwriting will advise the best market on submission.
Why Place Liquor Liability Through Geo. F. Brown & Sons, Inc.
- Direct access to multiple national and regional carriers experienced in alcohol exposures
- Package capability helps streamline placement for accounts that need GL, Property, Package and Non-Owned Auto in addition to Liquor Liability
- Inclusion of Assault & Battery reduces the need for separate endorsements and addresses a common high-frequency exposure for hospitality accounts
- Underwriters value documented loss-control programs and can consider varied operations from casual restaurants to late-night entertainment venues
Example accounts that fit
- A 120-seat neighborhood restaurant with a late-night bar and regular acoustic music nights, staffed security for weekend peak hours, and alcohol sales comprising 40% of revenue.
- A privately owned tavern with dining and a dance floor that closes at 2:00 AM, a written responsible-service policy and completed staff training records.
Frequently Asked Questions
What types of accounts are a good fit for this Liquor Liability program?
Accounts with on-premises alcohol service — bars, restaurants, private clubs and entertainment venues — are a good fit when they maintain licensing, staff training and basic loss-control practices. The program can handle both food-forward operations and late-night venues when underwriting criteria are met.
Is Assault & Battery coverage included or optional?
Assault & Battery is available through this program and can be included or added depending on the carrier and account details. Disclose security practices and any past incidents to help secure this coverage.
What submission documents should I provide for a prompt quote?
Provide a current application, three years of loss runs, liquor license information, breakdown of alcohol vs. food receipts, payroll, occupancy limits, security procedures and any staff-training records. The more complete the submission, the quicker underwriters can respond.
Which states are supported and are placements admitted?
The program writes in AZ, CA, CO, CT, FL, GA, IL, IN, IA, MA, MI, MN, NJ, NY, NC, OH, OR, PA, SC, TX, VT, VA, WA and WI. Placement can be admitted or non-admitted depending on the carrier and state — underwriting will advise the best market on submission.
Need help placing an account? Connect with a market specialist.