Colonial General Insurance Agency, Inc. offers a focused Liquor Liability Insurance program for licensed businesses that sell or serve alcohol. The program helps independent agents and brokers place liquor liability coverage for a wide range of accounts, including restaurants, bars, taverns, nightclubs, convenience and grocery stores, hotels and motels, package/liquor stores, special events, breweries, wineries, and alcohol manufacturers or distributors.
Ideal Accounts and Appetite
This program fits accounts that maintain strong alcohol-service controls and where staff complete alcohol-awareness/server training (for example, TIPS or TOPS). Underwriters prefer risks with a mature customer base (majority over age 30) and where liquor sales are a smaller portion of total revenue (typically under 25%).
Example accounts that typically qualify include:
- A family-owned restaurant with a beer-and-wine license and trained waitstaff
- A wine-tasting room with limited hours and strict ID-checking procedures
- A community event organizer operating a licensed beer garden staffed by trained volunteers
Coverage Highlights and Advantages
Colonial General’s Liquor Liability program is available as a mono-line policy or as part of a package. Key features include:
- Primary limits up to $3,000,000 per occurrence and $3,000,000 aggregate
- No deductible required
- Excess or umbrella limits available up to $25,000,000 (umbrella not available for mono-line policies)
- Additional interests can be added for $100 each
- Assault and Battery limited liability coverage included for bars and taverns, with $25,000 per event / $50,000 aggregate limits
Underwriting Notes and Minimum Premiums
- Alcohol server training (TIPS, TOPS) is strongly preferred and may be required
- Underwriters favor businesses with mature clientele and low liquor-to-total-sales ratios
- Eligible accounts may qualify for credits based on controls and loss history
Low minimum premiums make this program accessible to many small and mid-sized hospitality operations. Final pricing depends on risk characteristics, state rules, and coverages selected.
Territories and Availability
This Liquor Liability program is available in: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Some states offer admitted markets; other placements may be written on a non-admitted basis depending on eligibility and carrier availability.
Why Work With Colonial General Insurance Agency, Inc.?
As an experienced Managing General Agency and Excess & Surplus Lines broker, Colonial General combines specialty underwriting expertise with access to multiple carrier markets. Agents benefit from responsive underwriting, flexible limit options, and assistance placing hard-to-place or unusual liquor liability risks. Colonial General focuses on practical risk controls and partner service to help you place accounts efficiently and competitively.
To learn more about this program or to view additional markets, visit the Colonial General Insurance Agency, Inc. profile.
Frequently Asked Questions
What types of accounts are a good fit for this Liquor Liability program?
Restaurants, bars, taverns, nightclubs, package/liquor stores, tasting rooms, breweries/wineries, and licensed event operators with trained staff and documented alcohol-service procedures are good fits.
Is the program available as a mono-line policy?
Yes. Liquor Liability can be written mono-line or as part of a package. Note that umbrella coverage is not offered for mono-line policies.
What coverage limits are available?
Primary limits are available up to $3 million per occurrence and $3 million aggregate. Excess and umbrella capacity can extend up to $25 million where eligible.
What underwriting characteristics improve a submission’s chances?
Submissions showing staff alcohol-server training (TIPS/TOPS), strong ID and service controls, low liquor-to-total-sales ratios (under ~25%), and mature clientele generally receive favorable consideration.
Which states are eligible for this program?
Coverage is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Availability may be admitted or non-admitted depending on the state and carrier.
Need help placing an account? Connect with a market specialist.