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Midlands Management Corp
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Midlands Management Corp
Contact Us
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Liquor Liability Insurance

An establishment that sells, serves, or facilitates the purchase of alcohol faces significant liability exposure if a patron causes injury or property damage due to intoxication. In many states, businesses can be held responsible for damages—even on questionable claims. Because standard General Liability policies commonly exclude liquor-related claims, specialized liquor liability protection is essential. Midlands Management Corp offers a dedicated Liquor Liability Insurance program built to help agents place coverage for a wide range of alcohol-selling and alcohol-serving businesses. Whether your client runs a nightclub, restaurant, or liquor store, Midlands can provide tailored solutions that address real-world risks.

Program Highlights

• Policy limits up to $1,000,000 per occurrence / $2,000,000 aggregate
• Assault and battery coverage up to $1,000,000
• Defense costs paid in addition to the policy limit
• Additional insured coverage available
• No deductible
• Special event coverage available (can include liquor liability and general liability)
• Premiums based on risk type and annual liquor receipts
• Discounts available for documented risk control measures
• Fast quote turnaround and efficient policy issuance
• Streamlined claims reporting and resolution process

Target Classes

• Bars and Taverns
• Pubs and Cocktail Lounges
• Nightclubs and Discotheques
• Dance Bars and Adult Entertainment Clubs
• Restaurants with alcohol service
• Grocery, Convenience, and Liquor Stores
• Off-premises alcohol retailers
• Banquet Halls and Special Event Venues
• Fraternal and Social Clubs
• Civic and Private Clubs
• Comedy Clubs and Dinner Theaters
• Bowling Alleys, Billiards, and Pool Halls
• Alcoholic Beverage Distributors

Overview — Midlands' Liquor Liability Program

Midlands Management Corp is a managing general agency and carrier partner with broad access to multiple markets. This Liquor Liability program is flexible and can be placed in both admitted and non-admitted markets, allowing agents to find solutions for a wide variety of accounts. Midlands combines experienced underwriting with responsive service and quick turnarounds to make placement smooth for brokers.

Ideal Accounts and Appetite

This program targets standard to moderately complex liquor risks. Strong fits include: - Full-service restaurants and bars with trained staff and documented policies - Nightclubs and live-music venues with security and crowd controls in place - Off-premises sellers such as liquor or convenience stores - Banquet halls and venues offering open bars for events - Distributors and wholesalers with predictable distribution channels Accounts that typically require specialized underwriting (extensive prior losses, unmanaged underage sales, or high-risk adult entertainment without controls) may need additional review and risk mitigation before quoting.

Coverage Advantages

Midlands’ program focuses on practical coverages agents need: - Defense costs outside the limits for broader protection against litigation expenses - Assault & battery limits to respond to violence-related claims at licensed premises - No deductible on the liquor liability portion for clearer cost expectations - Option to add additional insureds for venues and event partners - Ability to package special event coverage with general liability for one-off exposures Example scenarios: You might have a client who operates a small-town tavern with weekend live music and a documented security plan — Midlands can quote primary liquor liability limits and assault & battery coverage. Or a catering company that provides bar service for weddings can be quoted special event coverage that combines liquor and general liability for a single policy term.

Underwriting Notes and Minimum Premiums

Underwriting emphasizes documented risk controls: employee training on service laws, incident logs, security procedures, and clear alcohol policies. Premiums are calculated by risk type and annual liquor receipts; minimum premiums vary by state and carrier appetite. Provide recent loss runs, liquor receipts, and descriptions of risk controls for the quickest response.

Territories and Availability

This program is available in most U.S. states, including: AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Midlands can quote business in nearly every state, making them a solid option for agencies with multi-state clients.

Why Work With Midlands Management Corp

- Broad market access through multiple carriers and flexible admitted/non-admitted placement options. - Experienced underwriters familiar with hospitality and retail liquor exposures. - Fast turnaround on quotes and policy issuance to help you win and bind business quickly. - Practical appetite for routine to moderately complex accounts, with options for special events and packaging.

Get Started Today

Don’t leave your clients unprotected. Email us for a quote: [email protected]

Midlands also offers commercial package options that can combine Liquor Liability, General Liability, Special Events, and more.

Frequently Asked Questions

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

Bars, nightclubs, restaurants, liquor stores, social clubs, and special event venues are all well suited. The program also accommodates distributors and off-premises alcohol retailers.

Is special event coverage available?

Yes. Midlands offers special event coverage that can include both liquor liability and general liability, ideal for weddings, festivals, and temporary events where alcohol is served.

What is the minimum premium for coverage?

Minimum premiums vary by state, carrier, and the type of risk. Midlands underwrites based on annual liquor receipts and documented controls; provide receipts and loss history for an accurate quote.

Are defense costs included in the policy limit?

No. Defense costs are covered in addition to the policy limit, which helps preserve indemnity limits for settlements or judgments.

Which states is this program available in?

The Liquor Liability program is available in nearly all U.S. states. Contact Midlands for specific state availability and admitted vs. non-admitted options for a given 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 Markets
  • Carriers:
  • Carrier Ratings:
    A or better
  • Commission:
    Varies
  • Min Premium:
    Varies

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CONTACT INFORMATION

LOCATION

3817 Northwest Expressway, 1000
Oklahoma City, OK 73112
800-800-4007
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