COUNTRYWIDE - LIQUOR LEGAL LIABILITY GUIDELINES
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1 COUNTRYWIDE - LIQUOR LEGAL LIABILITY GUIDELINES ELIGIBLE RISKS Increased liquor liability limits up to $1,000,000 are now available for the following classes of business where liquor sales are less than 25% of the total receipts of the business (available only in conjunction with general liability coverage): o Bed & Breakfast o Bowling Alleys o Caterers/Halls o Clubs o Convenience Stores o Grocery Stores o Golf Courses o Hotels/Motels o Restaurants o Special Events o Supermarkets LIQUOR LIABILITY GUIDELINES: Liquor rates are based on liquor receipts only (Food &/or other receipts not included). General Criteria Available only in conjunction with general liability coverage Must hold all applicable licenses & permits as required by law Liquor training for active owners, managers, and employees Deductible should be same as for general liability with minimum of $500 per cause Assault & Battery follow general liability guidelines Liquor Liability coverage is not available in the following states: AK, HI, IA, MI, MN & NH Increased Limits are not available in the following states: DC, IL, MO, PA, VT, WV o Maximum limits of $300,000 for Restaurants with less than 25% Alcohol receipts and Convenience Stores o Maximum limits of $100,000 for all Alabama liquor exposures with less than 25% alcohol receipts. o Maximum limits of $100,000 for Taverns and Bars o Refer to the Rate Page for each specific PDQ for eligible classes and maximum limits offered. LL
2 Rating Refer to the Rate Page of each Specific PDQ for liquor rates For Non-PDQ classes, see Non-PDQ Classes Liquor Liability Rates below MINIMUM PREMIUMS $100,000 Limit of Liquor Liability - $500 Minimum Premium $300,000 Limit of Liquor Liability - $550 Minimum Premium $500,000 Limit of Liquor Liability - $650 Minimum Premium $1,000,000 Limit of Liquor Liability - $750 Minimum Premium Alabama $100,000 Limit of Liquor Liability - $1,250 Minimum Premium Special Events: o $100,000 Limit of Liquor Liability - $250 Minimum Premium per Day o $300,000 Limit of Liquor Liability - $350 Minimum Premium per Day o $500,000 Limit of Liquor Liability - $500 Minimum Premium per Day o $1,000,000 Limit of Liquor Liability - $750 Minimum Premium per Day SUBMIT EXPOSURES Churches, risks within the Mercantile & Push Cart PDQ s Unarmed security (if independent contractor) Risks with doormen, ID checkers, or cover charges Establishments with gross liquor receipts exceeding $1,000,000 Any account with prior liquor losses or incidents If previously cancelled for non-payment If any prior fines, citations, or suspensions Risks with live entertainment New ventures with less than 3 years ownership or management experience Any risk in close proximity to a college or university, or reputation as a college hangout PROHIBITED EXPOSURES Monoline Liquor Liability Higher limits above $100,000 on Bars, Taverns, Nightclubs Casinos (Acceptable for Nevada risks) Hunt clubs, outfitters & guides, mobile home parks Risks with bouncers or employees with security duties Armed security other than certified peace officers Firearms on premises (other than certified peace officers) Establishments open past 2 a.m. (24-hour operations are acceptable for Nevada risks) Any prior license revocations Any risk with contact sports, athletic games or contests of any kind Mechanical rides or devices Risks without formal alcohol awareness training (TIPS, TOPS or similar) or that do not have established procedures regulating the sale of alcohol to LL
3 MANDATORY FORMS U028P (09/98) Liquor Liability Coverage Declarations UCG0033 (06/05) Liquor Liability Coverage Form CG2806 (01/96) Limitation of Coverage to Insured Premises CG0305 (01/96) Deductible (same as GL deductible but not less than $500 per cause) OPTIONAL FORMS U006LL (06/05) guidelines) U610 (03/09) Assault & Battery Exclusion (A & B Exclusion follows the GL Supplementary Payments Within Limits Of Insurance APPLICATIONS Signed Commercial Insurance Application Acord 125 Applicable supplemental Application Signed Liquor Liability Application AGENT S RESPONSIBILITY Order an inspection when risk is bound on all accounts with Liquor Liability coverage & forward a copy to Colony An inspection is required on every 3 rd year renewal unless advised by Colony Review when inspection is received (within 45 days) & sign the inspection indicating approval Follow-up on recommendations COUNTRYWIDE - LIQUOR LEGAL LIABILITY GUIDELINES EACH INSPECTION MUST INCLUDE Color photograph Must be conducted during hours when risk is open for business Must address liquor specifics, i.e., gross receipts, % of total sales, training & procedures governing liquor sales, whether any bouncers or security, etc LL
4 State Class code Description $100/100 $300/300 $500/500 $1000/1000 Delaware Bowling Lanes Kansas Maryland Grocery Store Nebraska Nevada Supermarkets South Dakota Virginia Wisconsin State Class code Description $100/100 $300/300 $500/500 $1000/1000 Arkansas Bowling Lanes California Colorado Grocery Store Florida Kentucky Supermarkets Louisiana Oklahoma South Carolina Tennessee State Class code Description $100/100 $300/300 $500/500 $1000/1000 Georgia Bowling Lanes Idaho Maine Grocery Store Massachusetts Mississippi Supermarkets New Jersey Ohio Oregon LL
5 State Class code Description $100/100 $300/300 $500/500 $1000/ Bowling Lanes Arizona Connecticut Grocery Store Indiana Montana Supermarkets New Mexico North Dakota Utah Washington Wyoming State Class code Description $100/100 $300/300 $500/500 $1000/ Bowling Lanes New York North Carolina Grocery Store Texas Supermarkets LL
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