Liquor Liability Coverage From Continental Risk / Continental Marine Insurance Services
Liquor liability exposures aren’t just limited to bars and restaurants. At Continental Risk / Continental Marine Insurance Services, we understand that many hospitality and entertainment businesses also face liquor-related risks. That’s why we offer a Liquor Liability program tailored for a broad range of establishments, including:
- Hotels and Motels
- Pool Halls and Bowling Centers
- Bars and Taverns
- Restaurants
- Ice and Roller Skating Centers
Whether your client operates a busy restaurant with a full bar or a boutique motel that occasionally hosts events serving alcohol, our program is designed to help agents place these accounts with confidence.
Ideal Accounts and Appetite
This program is well-suited for businesses that serve, sell, or allow the consumption of alcohol on their premises. Our appetite includes:
- Hospitality venues that serve alcohol such as hotels and motels (excluding 24-hour operations)
- Entertainment venues like pool halls, bowling alleys, and skating centers
- Restaurants, bars, and taverns with liquor exposure
We do not offer coverage for 24-hour operations or venues with extremely high-risk alcohol exposure. If you're unsure whether your client's business qualifies, our underwriting team can help you assess the risk.
Coverage Highlights and Advantages
- Limits available: $1,000,000 per occurrence / $2,000,000 aggregate / $1,000,000 for liquor liability
- Medical Payments: Up to $5,000
- Minimum Deductible: $0
- Admitted Markets: Some markets available on an admitted basis, with all carriers rated “A” or higher
- Combined GL and Liquor Packages: Ability to package General Liability with Liquor Liability for comprehensive protection
This program is structured to meet the needs of small to mid-sized establishments with moderate to high foot traffic and standard liquor exposure. Our ability to package coverages can help agents present a more complete insurance solution to their clients.
Underwriting Notes and Minimum Premiums
The base minimum premium starts at $2,500. We offer flexible underwriting for qualified risks, and we work closely with our agents to find the right solutions for their clients’ specific operations. Our underwriting team evaluates each submission thoroughly and efficiently.
Territories and Availability
This Liquor Liability program is currently available in the following states:
AL, AK, AZ, AR, CA, CO, GA, ID, LA, MA, MO, NV, NM, NY, NC, ND, OH, OK, OR, PA, RI, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY
We are actively writing in these states and are familiar with the unique regulations and exposures within each territory.
Why Work With Continental Risk / Continental Marine Insurance Services?
As a trusted wholesale broker with access to top-rated carriers, Continental Risk / Continental Marine Insurance Services offers specialized solutions for liquor liability risks across various industries. We bring extensive experience in underwriting and brokering hospitality and entertainment industry accounts.
Our team is responsive, knowledgeable, and committed to helping agents succeed. Whether you’re placing a small rural tavern or a chain of boutique hotels, we can help you find a market quickly and efficiently.
Frequently Asked Questions
What types of accounts are a good fit for this program?
We target businesses such as bars, taverns, restaurants, hotels, motels, pool halls, bowling centers, and skating rinks that serve or allow alcohol consumption.
Can General Liability be packaged with Liquor Liability?
Yes, we offer the option to package General Liability and Liquor Liability coverages for qualified accounts.
Are 24-hour operations eligible for this program?
No, this program excludes 24-hour operations due to increased risk exposure.
What is the minimum premium for this Liquor Liability coverage?
The minimum premium starts at $2,500, depending on the risk profile and coverage needed.
Is this program available on an admitted basis?
Some markets are available on an admitted basis, and all carriers used are A-rated.
Need help placing an account? Connect with a market specialist.