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Liquor Insurance — Caitlin Morgan Insurance Services
Caitlin Morgan Insurance Services offers access to specialized Liquor Legal Liability coverage designed for retail alcohol exposures. Our wholesale brokerage placement options serve agents who need a market for bars, restaurants, clubs and similar operations where liquor exposure is a primary underwriting concern. We combine targeted appetite, flexible limits and industry-focused underwriting to help you place accounts that many general liability programs decline or restrict.
Overview of the Program
This program provides mono-line liquor liability placements with limits and features tailored for hospitality and club operations. Coverage is underwritten to address common alcohol-related exposures, including third-party bodily injury and property damage arising from service of alcohol. Caitlin Morgan works with multiple admitted and non-admitted carriers to provide capacity and flexibility for a range of account profiles.
Ideal Accounts and Appetite
This program targets accounts where liquor exposure is the primary risk. Typical fits include:
Restaurants (with and without bars)
Sports bars, taverns and neighborhood bars
Private, golf and tennis clubs
Caterers and venues that serve alcohol
Bowling alleys and similar entertainment venues
Accounts with strong loss controls, trained staff (RAMP/serving training), and clear policies for intoxication management are preferred. High-risk operations (e.g., unlicensed repeat violations, severe prior liquor losses, large-scale nightclubs with uncontrolled capacity) may be declined or require special terms.
Coverage Highlights and Advantages
$1M per occurrence liquor legal liability, with $2M aggregate limits available
Per-location aggregate available for multi-location operations
Assault and battery coverage included on accounts where liquor sales are under 55%
Assault and battery buy back option for accounts over 55% liquor
Minimum premium as low as $1,000 for eligible risks
Underwriting Notes and Submission Requirements
Provide the following to start a submission: three years of loss history, copy of the liquor license, schedule of locations and annual liquor receipts, details on security and staff training, and any incident policies. Underwriting will consider percentage of revenue from alcohol, hours of operation, patron capacity, and prior liquor-related claims or violations.
Example placements you might have: a neighborhood restaurant with a modest bar seeking a mono-line liquor policy for a new location; or a private golf club requiring per-location aggregate limits and assault & battery options as part of their risk program.
Territories and Admitted Status
Available in all listed 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. Positioning may be admitted or non-admitted depending on carrier and state filing—our team will advise on placement options for each account.
Why Work With Caitlin Morgan Insurance Services
As a wholesale broker focused on hospitality and liquor exposures, Caitlin Morgan offers broad carrier access and experienced underwriting support to help you place difficult liquor risks. We provide responsive quote turnarounds, flexible limit structures, and guidance on loss control measures that improve insurability. Use our Liquor Insurance program when you need a market that understands alcohol-related liability nuances and can tailor terms to your client’s operations.
Frequently Asked Questions
What types of accounts are a good fit for this liquor program?Restaurants with bars, sports bars, taverns, private clubs, golf and tennis clubs, caterers and similar hospitality venues where liquor exposure is the primary risk are good fits. Accounts should have a valid liquor license and basic loss control practices in place.
What limits and endorsements are commonly available?The program offers $1M per occurrence liquor legal liability with $2M aggregate options, per-location aggregate for multi-sites, and assault & battery coverage (included or available as a buy-back depending on liquor revenue mix).
What submission information does underwriting require?Underwriters typically want three years of loss history, the liquor license, annual liquor receipts or percentage of revenue from alcohol, description of security and staff training, and details on hours and capacity. Providing this up front speeds placement.
In which states is this program available?Caitlin Morgan places liquor business across the listed states and DC. Availability as admitted or non-admitted depends on the carrier and the state—our desk will confirm options for your specific account.
Need help placing an account? Connect with a market specialist.