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AI Risk
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AI Risk
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Liquor Legal Liability

Liquor Legal Liability Insurance Program from AI Risk

AI Risk offers a specialized Liquor Legal Liability program designed to help insurance agents and brokers place coverage for clients who sell, serve, or distribute alcoholic beverages. With a focus on high-risk industries and events where liquor liability exposure is significant, this program provides essential protection for businesses that may be held liable for alcohol-related incidents involving patrons or third parties.

Ideal Accounts and Target Classes

This program is tailored for a wide range of businesses engaged in the sale or service of alcohol, including:
  • Bars and taverns
  • Restaurants
  • Bowling alleys
  • Country clubs
  • Caterers
  • Package stores
  • Alcohol distributors
  • Special events and temporary venues
If you’re working with a bar that hosts weekly live music, or a caterer licensed to serve alcohol at weddings and corporate events, this program can help you place the right coverage to meet their liquor liability needs.

Coverage Highlights and Advantages

AI Risk offers flexible policy structures to meet the diverse needs of your clients. Coverage can be written on an “Occurrence” or “Claims-Made” basis (except in MI and MN), allowing adaptability based on client preference and state requirements. This Liquor Legal Liability program is backed by AIG, a leading carrier with strong financial stability and industry expertise.

Key advantages include:
  • Broad appetite for alcohol-related exposures
  • Competitive pricing based on risk class and limits
  • Access to experienced underwriters who understand liquor liability risks

Underwriting Notes and Minimum Premiums

Minimum premiums vary by risk class:
  • Bars, taverns, and bowling alleys: Minimum premium starts at $3,100 depending on limits, coverages, and classification
  • All other classes: Minimum premium starts at $1,250
AI Risk evaluates each submission on its merits, with attention to operational details, loss history, and controls related to alcohol service.

Territories and Availability

This program is available in all 50 states plus Washington D.C., giving you nationwide reach to serve clients wherever they operate. AI Risk offers both admitted and non-admitted options depending on the specific risk and location.

Why Work With AI Risk?

AI Risk is a Managing General Agency and Carrier with a strong reputation for underwriting expertise in complex commercial lines. By partnering with AIG and offering nationwide access, AI Risk provides agents and brokers with reliable solutions for liquor liability exposures. Their deep understanding of the hospitality and alcohol service industries allows them to deliver tailored coverage options and responsive service that help you meet your clients’ needs and close more business.

Frequently Asked Questions

What types of accounts are a good fit for this program?

This program is ideal for businesses that sell or serve alcohol, including bars, restaurants, caterers, liquor stores, and special event organizers.

Is coverage written on an occurrence or claims-made basis?

Coverage is available on either an occurrence or claims-made basis, except in Michigan and Minnesota where only one form may be offered due to state regulations.

What is the minimum premium for this program?

Minimum premiums start at $3,100 for bars, taverns, and bowling alleys, and $1,250 for other eligible classes, depending on coverage limits and risk classification.

Which carrier backs this program?

The Liquor Legal Liability program is backed by AIG, a well-established carrier with strong financial ratings and industry expertise.

Is this program available in all states?

Yes, AI Risk offers this program in all 50 states and Washington D.C., with both admitted and non-admitted options depending on the risk and location.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Managing General Agency and Carrier
  • Admitted:
    All Available States
  • Carriers:
  • Carrier Ratings:
    A.M. Best A XI rated
  • Commission:
    Varies
  • Min Premium:
    -

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CONTACT INFORMATION

LOCATION

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APPLICATIONS

  • Contact for Application
    Click here to contact the appropriate AI Risk office for more information and applications.

AGENCY LICENSING

Please call the Middle Market Program Manager in your area.
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AI Risk has other insurance programs like Amateur Sports.