This coverage protects organizations whose business involves the manufacturing, distributing, selling or serving of liquor. This is needed because standard General Liability policies exclude coverage for such activities.
The standard Commercial General Liability (CGL) Policy excludes coverage for bodily injury or property damage for which you are liable due to:
- Causing or contributing to the intoxication of any person
- Furnishing alcoholic beverages to persons under the legal drinking age
- Furnishing alcoholic beverages to persons already under the influence of alcoho or
- Any law or act relating to sales, distribution, giving or use of alcoholic beverages
The Liquor Liability Coverage policy provide coverage for bodily injury and property damage for which you may be liable by reason of causing or contributing to the intoxication of any person, furnishing alcoholic beverages to a person under the drinking age or already under the influence of alcohol, or violating any statute, law, ordinance or regulation relating to the sale, gift, distribution or use of alcoholic beverages.
WHAT IS COVERED?
The insurance company agrees to pay the sums you are legally obligated to pay as damages because of injury covered by the insurance provided by the form, if the liability for the injury is imposed on you because of being involved in selling, serving or furnishing any alcoholic beverages. The insurance company also has the right and duty to defend you against any suit seeking damages if the coverage provided applies to the damages alleged in the suit.
WHAT IS NOT COVERED?
Every insurance policy has certain exclusions and limitations. This is because the coverages are either needed by only specific types of businesses or the risk or exposure to loss is not considered insurable for one or more reasons.
Expected Or Intended Injury
Workers Compensation And Similar Laws
Liquor License Not In Effect
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