Liquor Liability Program — International Brokerage & Surplus Lines, Inc.
International Brokerage & Surplus Lines, Inc. offers a dedicated Liquor Liability Program geared to independent agents and brokers placing hospitality and alcohol-exposure accounts. The program provides broad underwriting capacity through AIG and is structured to address dram-shop, host liquor, and related third-party liability exposures for a range of retail and on-premises alcohol operations.
Ideal Accounts and Appetite
This program is a fit for a wide set of alcohol-exposed classes, including:
- Restaurants and full-service dining operations
- Country clubs and private clubs
- Bowling alleys, bars, taverns and nightclubs
- Caterers and special-event vendors
- Package stores, distributors and wholesale operations
- Temporary events, festivals and other named risks with alcohol exposure
Accounts with strong risk controls, trained staff, and loss-prevention programs are preferred. High-excess or unusually hazardous operations (for example, accounts with a pattern of severe liquor-related losses, unlicensed venues, or significant minors-on-premises issues) should be discussed with underwriting before submission.
Coverage Highlights and Advantages
- Underwritten by AIG — access to market capacity for primary and excess placements.
- Covers common alcohol liability exposures including host liquor liability and dram-shop allegations.
- Flexible policy form options to match account needs and state requirements.
- Program designed for quick quoting on standard hospitality risks and tailored underwriting for more complex exposures.
Underwriting Notes and Minimum Premiums
Policy Forms - "Occurrence" or "Claims-Made" except MI & MN.
Minimum premiums (program minimums):
Underwriting will consider location, annual receipts from alcohol sales, hours of operation, liquor licensing and compliance history, employee training (TIPS, server training), third-party security, and prior loss experience. For better risk tiers, consider submitting loss runs, menu of alcohol offerings, and details on training/security practices to expedite placement.
Territories and Availability
This Liquor Liability Program is available in the following states and territories: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, 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.
Why Work With International Brokerage & Surplus Lines, Inc. on This Business
- Specialized program placement designed for agents handling hospitality and alcohol-exposed risks.
- Access to AIG capacity and program underwriting geared to both standard and complex liquor liabilities.
- Competitive quoting and underwriting flexibility for on-premises, retail, and special-event exposures.
Example Account Scenarios
- You have a 120-seat neighborhood restaurant with moderate alcohol receipts, trained servers, and a clean loss history — this program can provide primary liquor liability limits at competitive pricing and prompt underwriting review.
- A county fair organizer needs short-term liquor liability for a weekend event with multiple vendors — the program can quote short-term/special-event exposures with terms based on vendor controls and licensing.
Frequently Asked Questions
What types of accounts are a good fit for this Liquor Liability Program?
The program targets restaurants, bars, taverns, country clubs, caterers, package stores, distributors and special-event operations with alcohol exposure. Preferred accounts have good controls, liquor licensing, and employee training.
Which policy forms are offered?
Policy forms are available on an Occurrence or Claims-Made basis; note there are exceptions for MI and MN—confirm form availability with underwriting on submission.
What are the program minimum premiums?
Minimums start at $1,500 for bars, taverns and bowling alleys, and $1,000 for most other classes. Final premium is subject to underwriting, exposures and state requirements.
What information should I include with a submission?
Include alcohol-related annual receipts, hours of alcohol service, copy of liquor license, loss runs (preferably 5 years), server training programs, security measures, and any special-event details. The more detail provided up front, the faster underwriters can respond.
Which carrier supports this program and where is it available?
The program places with AIG and is available across the listed states and D.C. Availability and terms can vary by state—confirm eligibility with underwriting at submission.
Need help placing an account? Connect with a market specialist.