Liquor Liability Coverage from Bailey Special Risks
Bailey Special Risks, Inc. offers a Liquor Liability program built for agents and brokers who need flexible, practical placement options for hospitality and alcohol-related accounts. Written on a non-admitted basis through United States Liability Insurance Group, the program combines experienced underwriting with competitive limits and fast turnaround to help you place bars, restaurants, package stores and distributors that need third-party liability protection tied to alcohol sales or service.
Ideal Accounts and Appetite
This program fits a wide range of liquor exposures, including:
- Bars and taverns
- Nightclubs (standard operations; after-hours establishments with special licenses are excluded)
- Restaurants that serve alcohol
- Liquor stores and retail package shops
- Wholesalers and beverage distributors
Bailey Special Risks will review most liquor-related operations. Typical declines include locations that allow employees to consume alcohol while on duty or businesses that operate under special after-hours permits. If your client runs a neighborhood bar, a full-service restaurant with alcohol sales, or a retail package store, this program is likely a strong candidate for placement.
Coverage Highlights and Advantages
- Limits available up to $1,000,000 each common cause / aggregate
- Coverage tailored for both retail and wholesale alcohol operations
- Access to an experienced market—United States Liability Insurance Group—on a non-admitted paper
- Responsive underwriting and efficient turnaround to help close submissions faster
Examples of accounts that typically place well: a 120-seat neighborhood bar with a clean loss history and trained staff, or a regional liquor distributor with documented delivery controls and employee screening. In both cases, underwriting focuses on service practices, hours of operation, controls for over-service, and prior loss experience.
Underwriting Notes
Submissions are evaluated on a case-by-case basis. Underwriters consider operations, hours of service, loss history, management practices, and risk controls such as staff training, ID checks, security and incident reporting. There is no published minimum premium; pricing is driven by class, exposures, limits requested, and individual account characteristics. Prohibited exposures include on-duty employee consumption and after-hours operations under special licenses.
Territories and Availability
This Liquor Liability program is available in AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD, MA, MS, MO, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WV, and WY. If your client is located in one of these states, Bailey Special Risks can assist with placement and policy options.
Why Work with Bailey Special Risks?
As a wholesale broker with focused experience in specialty and high-exposure classes, Bailey Special Risks provides strong market access and practical underwriting for liquor-related accounts. Their partnership with United States Liability Insurance Group delivers capacity and stability on a non-admitted basis, while the firm’s agent-focused service model emphasizes quick response, clear guidelines, and hands-on support for complex submissions. Use this program when you need an experienced partner to place liquor liability risks that fall outside standard admitted markets.
Frequently Asked Questions
What types of accounts are a good fit for this Liquor Liability program?
This program is ideal for bars, taverns, restaurants that serve alcohol, liquor stores, and both retail and wholesale alcohol distributors.
Are there any types of risks that won't be considered?
Yes. Risks that allow employees to drink on the job or operate as after-hours establishments with special licenses are not eligible.
Is the coverage admitted or non-admitted?
This Liquor Liability program is written on a non-admitted basis through United States Liability Insurance Group.
What are the coverage limits available?
Limits are available up to $1 million each common cause/aggregate.
In which states is the program available?
The program is available in AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD, MA, MS, MO, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WV, and WY.
Need help placing an account? Connect with a market specialist.