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Liquor Liability Insurance J.M. Wilson Corp. offers a robust Liquor Liability Insurance program designed to help agents and brokers place coverage for clients in the hospitality, retail, and event industries. Whether your insured sells, serves, or furnishes alcohol, we can help you protect them against claims involving intoxicated patrons causing property damage, bodily injury, or other liabilities. Ideal Accounts and Appetite Our program is tailored for a wide range of businesses that require liquor liability coverage. We work with both admitted and non-admitted markets, providing flexibility across risk classes. Target classes include but are not limited to: Bars and Taverns Restaurants Nightclubs Country Clubs On-Premises Banquet Facilities Adult Entertainment Clubs Package Stores Retail and Wholesale Liquor Distributors Breweries and Vineyards Concessionaires and Caterers for Hire Special Events and Temporary Liquor Vendors Private and Fraternal Clubs Bowling Alleys If you have clients across these classes—or more—J.M. Wilson can help you find a market that fits. Coverage Highlights and Advantages Liquor Liability Insurance from J.M. Wilson provides protection for businesses when a patron becomes intoxicated and causes injury or property damage. Our policies can help address exposures that arise from alcohol service and sales, including: Third-party bodily injury or property damage claims Defense costs and legal fees Assault and battery coverage (where available) Coverage for special events or one-time needs We represent a wide range of carriers, enabling us to find competitive solutions for both standard and hard-to-place risks. Underwriting Notes and Minimum Premiums Minimum premiums vary depending on the class of business, location, and risk characteristics. We are able to submit to multiple carriers to find the best available terms for your client. Our team will work with you to determine eligibility and quote turnaround times based on the specific account. Territories and Availability This program is available in the following states: AL, AR, GA, IL, IN, IA, KS, KY, MI, MN, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI. We offer access to both admitted and non-admitted markets, depending on the state and classification. Why Work With J.M. Wilson on Liquor Liability? As a trusted Managing General Agency and Excess & Surplus Lines Broker, J.M. Wilson brings decades of experience and strong carrier relationships to every submission. We understand the complexities of liquor-related risks and can help you navigate the underwriting process efficiently. Our team is committed to providing responsive service and helping you find the right coverage for your clients—whether it's a local tavern, a multi-location restaurant group, or a one-time event. For more information about this program or to discuss a specific account, please contact our team by phone or email. Frequently Asked Questions What types of accounts are a good fit for this Liquor Liability program?This program is ideal for bars, restaurants, nightclubs, banquet halls, liquor stores, breweries, vineyards, and special event vendors that serve or sell alcohol. Can you write coverage for one-time or special events?Yes, we can help you place liquor liability coverage for temporary or special events such as festivals, weddings, or concerts. Are both admitted and non-admitted markets available?Yes, J.M. Wilson works with a variety of admitted and non-admitted carriers, offering flexibility based on client needs and underwriting eligibility. What information is needed to get a quote?Basic underwriting information typically includes the type of operation, alcohol sales percentage, prior loss history, and event details (if applicable). Our team can guide you through the full submission process. In which states is this program available?This Liquor Liability program is available in AL, AR, GA, IL, IN, IA, KS, KY, MI, MN, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI. Need help placing an account? Connect with a market specialist.