Liquor Law Liability Program by America's Internet Brokers, Inc.
America's Internet Brokers, Inc. (AIB) offers a specialized Liquor Law Liability program for agents and brokers seeking placement for clients in the hospitality and alcohol-related industries. Written on a non-admitted basis and backed by AIG, the program is designed to address third-party claims arising from the sale, service, distribution, or manufacture of alcoholic beverages.
Ideal Accounts and Appetite
This program targets a broad range of insureds that expose carriers to liquor-related liability. Typical classes include:
- Restaurants
- Country clubs
- Bowling alleys
- Caterers
- Package stores
- Distributors
- Special events/vendors
- Bars and taverns
Whether your client runs a small neighborhood tavern, a high-volume event catering operation, or a specialty liquor store, this program is structured to provide coverage tailored to those exposures. For example, you might have a client that hosts seasonal festivals with alcohol vendors or a bowling alley that serves beverages—both are the kind of accounts AIB places through this program.
Coverage Highlights and Advantages
The program can be written on either an "Occurrence" or "Claims-Made" basis (policies in Michigan and Minnesota are limited to a Claims-Made form). Coverage focuses on bodily injury and property damage claims that result from the sale, service, or distribution of alcohol.
Key advantages for agents and insureds include:
- Broad coverage for on-premise and off-premise alcohol exposures
- Flexibility to write standalone liquor liability or include liquor within broader commercial package arrangements (subject to underwriting)
- Access to a recognized carrier—AIG—with established experience in liquor liability risks
- Direct billing to the insured by the carrier for simpler premium collection
Underwriting Notes and Minimum Premiums
Underwriting requires current loss runs prior to binding. Additional information may be requested depending on the risk profile, such as employee training, hours of operation, security practices, and alcohol service controls.
Minimum premiums apply and vary by class, limits, and territory; higher minimums are common for higher-exposure classes (for example, bars, taverns, and venues with on-site service). As a wholesale broker, America's Internet Brokers can help identify appropriate limits and structure to meet carrier requirements and your client’s needs.
Territories and Availability
The program is available in most U.S. states on a non-admitted basis; notable examples include CA, TX, FL, NY, IL, and GA. Coverage and policy form availability are subject to state and carrier eligibility—confirm state eligibility before quoting. Remember that policies in Michigan and Minnesota are only available on a Claims-Made basis.
Why Work With America's Internet Brokers, Inc.?
AIB focuses on placing niche liability risks and brings underwriting expertise, market relationships, and a responsive wholesale service model. Working with AIB gives you access to specialized markets like AIG and support for more complex or higher-exposure liquor accounts. If you need help placing a difficult account or expanding your liquor liability offering, AIB provides tailored placement assistance and market access.
Frequently Asked Questions
What types of accounts are a good fit for this Liquor Law Liability program?
This program fits bars, taverns, restaurants, country clubs, caterers, liquor stores, distributors, bowling alleys, and special event vendors that sell or serve alcohol.
Is this program available nationwide?
The program is available in most states, including CA, TX, FL, NY, and IL. It is written on a non-admitted basis and may not be available in every jurisdiction, so confirm state eligibility before submitting.
What are the minimum premium requirements?
Minimum premiums vary by class, limits, and state. Higher-exposure classes such as bars, taverns, and bowling alleys typically carry higher minimums. Contact AIB for class-specific guidance.
What documentation is required to bind coverage?
Current loss runs are required prior to binding. Underwriting may also request additional documentation based on the risk, such as training records, security plans, or event details.
Who handles billing for the insured?
Most accounts are direct billed by the carrier, simplifying premium collection for both agents and insureds.
Need help placing an account? Connect with a market specialist.