Colonial General Insurance Agency, Inc. offers a robust Liquor Liability Insurance program tailored for licensed establishments and businesses involved in the sale or service of alcohol. This program is designed to help insurance agents and brokers place quality liquor liability coverage for clients such as restaurants, bars, taverns, nightclubs, convenience stores, grocery stores, hotels, motels, package/liquor stores, special events, breweries, wineries, and alcohol manufacturers or distributors.
Ideal Accounts and Appetite
This program is an excellent fit for accounts where employees have received alcohol awareness and server training (e.g., TIPS or TOPS certification). Colonial General prefers risks where the majority of clientele are over the age of 30 and where liquor sales make up a smaller proportion of total revenue (e.g., less than 25%).
Example accounts that typically qualify include:
- A family-owned restaurant with a beer and wine license and trained waitstaff
- A wine tasting room with limited operating hours and strong ID-checking procedures
- A community event organizer hosting a licensed beer garden with trained volunteers
Coverage Highlights and Advantages
Colonial General’s Liquor Liability program is available on either a mono-line or package basis. Key features include:
- Primary limits available up to $3,000,000 per occurrence / $3,000,000 aggregate
- No deductible required
- Excess or umbrella limits available up to $25,000,000 (umbrella not available for mono-line policies)
- Additional interests can be added for $100 each
- Assault and/or Battery Limited Liability Coverage Form included for bars and taverns – with $25,000/$50,000 limits per event
Underwriting Notes and Minimum Premiums
- Alcohol server training (TIPS, TOPS) is strongly preferred and may be required
- Underwriters look favorably on businesses with mature clientele and low liquor-to-total sales ratios
- Credits may be available for qualifying accounts
Low minimum premiums make this program accessible for a range of small to mid-sized hospitality operations. Specific pricing will vary based on risk characteristics and state guidelines.
Territories and Availability
This Liquor Liability Insurance program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Admitted markets are available in some states; others may be written on a non-admitted basis depending on eligibility and carrier availability.
Why Work With Colonial General Insurance Agency, Inc.?
As a Managing General Agency (MGA) and Excess & Surplus Lines Broker, Colonial General brings deep expertise in specialty risks and hard-to-place coverages. With access to a wide range of carriers and strong underwriting support, Colonial General is an ideal partner for agents and brokers seeking to place liquor liability accounts efficiently and competitively. Their team understands the nuances of alcohol-related exposures and offers flexible options tailored to your client’s needs.
To learn more about this program or explore other markets, visit the Colonial General Insurance Agency, Inc. profile.
Frequently Asked Questions
What types of accounts are a good fit for this Liquor Liability program?
Ideal accounts include restaurants, bars, taverns, nightclubs, package stores, and event organizers with trained staff and strong alcohol service procedures.
Is this program available on a mono-line basis?
Yes, Liquor Liability coverage is available as a mono-line policy or as part of a package. However, umbrella coverage is not offered for mono-line options.
What are the coverage limits available?
Primary limits are available up to $3 million per occurrence and $3 million aggregate. Excess and umbrella limits can extend up to $25 million, depending on the account.
Are there any underwriting preferences?
Yes, accounts with alcohol awareness training (such as TIPS or TOPS), clientele over age 30, and liquor sales under 25% of total revenue are preferred.
Which states is this program available in?
Coverage is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming.
Need help placing an account? Connect with a market specialist.