Liquor Law Liability Coverage from Chittenden Insurance Group
Chittenden Insurance Group offers a specialized Liquor Law Liability program designed for businesses that serve, sell, or distribute alcoholic beverages. With over 20 years of uninterrupted experience providing this coverage, our market is positioned to help independent agents and brokers secure essential protection for clients with liquor liability exposures. Whether you're placing coverage for a bar, restaurant, nightclub, or event venue, our program delivers flexible solutions and dependable underwriting.
Ideal Accounts and Appetite
This program is an excellent fit for a wide range of hospitality and entertainment businesses, including:
- Bars and taverns
- Restaurants that serve alcohol
- Nightclubs and lounges
- Liquor stores
- Catering companies and event venues
- Private clubs and fraternal organizations
You might have a client who owns a small neighborhood bar or a restaurant group expanding into new locations—our program can accommodate both. Coverage is also available for temporary events and special occasions that involve alcohol service.
Coverage Highlights and Advantages
Our Liquor Law Liability program includes several key features that make it easy to place and competitive in the current market:
- Occurrence form coverage
- No deductible
- No exclusion for Assault & Battery
- Limits available up to $1MM/$1MM
- Per location aggregate limits available
- Automatic coverage for newly acquired entities
- Includes limited worldwide coverage
- Coverage extended to temporary and leased workers
These features help your insureds address common exposures such as intoxicated patron incidents, third-party bodily injury claims, and liquor license compliance issues.
Underwriting Notes and Minimum Premiums
Our underwriters are experienced in the liquor liability sector and work closely with agents to assess risk and streamline the quoting process. We offer competitive terms and the ability to consider a wide range of business types. Minimum premium requirements may vary depending on the account, class, and location.
Territories and Availability
This program is currently available in the following states: Alabama, Connecticut, Georgia, Maine, Massachusetts, New Hampshire, New York, Rhode Island, and Vermont.
All coverage is written on a non-admitted basis through carriers such as Liberty Surplus Insurance Corp. and Liberty International Underwriters.
Why Work With Chittenden Insurance Group?
As a trusted MGA with decades of experience in liquor liability coverage, Chittenden Insurance Group brings consistency, market access, and underwriting knowledge to every submission. We help agents and brokers place complex or hard-to-place liquor accounts with confidence and speed. Our partnerships with top-rated surplus lines carriers ensure your clients get the coverage they need while you receive the support you deserve.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for bars, restaurants, nightclubs, liquor stores, catering companies, and event venues that serve or sell alcohol.
Is assault and battery coverage included?
Yes, our Liquor Law Liability program does not exclude assault and battery, offering broader protection for your clients.
Are newly acquired locations automatically covered?
Yes, coverage is automatically extended to newly acquired entities, making it easier for growing businesses to stay protected.
Can I get coverage for temporary or special events?
Yes, the program includes coverage for temporary and leased workers, making it suitable for special events and short-term operations.
Is this program available on an admitted basis?
No, this Liquor Law Liability program is written on a non-admitted basis through surplus lines carriers.
Need help placing an account? Connect with a market specialist.