Endorsements

Liquor liability coverage wording and examples

Liquor liability coverage forms provide or schedule liability coverage for selling, serving, or furnishing alcoholic beverages, sometimes with separate coverage parts or sublimits. Forms can add a separate liquor liability coverage or extend businessowners liability.

Coverage classification

Form type
Endorsements

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Liquor liability coverage forms compared by Intent, Coverage context, Limits and conditions
FormIntentCoverage contextLimits and conditions

Mutual of Enumclaw Insurance Company

Liquor Liability Coverage

EG 80 33 03 26

Commercial General Liability

Adds a separate liquor liability insuring agreement for covered injury.Injury liability imposed by selling, serving or furnishing alcoholic beverages.Injury must occur during the policy period, subject to known-injury provisions, scheduled limits and deductible.

The Guarantee Company of North America USA

Liquor Liability Coverage (Including Per Location Aggregate Limit)

N BOL 910085 0623

Businessowners Liability

Extends business liability to covered injury or damage arising from selling, serving or furnishing alcohol.Businessowners liability for covered liquor-related bodily injury or property damage.Requires applicable licenses; the liquor liability aggregate applies separately to each owned or rented location.

Notable clauses

“while any required license is not in effect”

The Guarantee Company of North America USA · Liquor Liability Coverage (Including Per Location Aggregate Limit) · N BOL 910085 0623

Required licenses. The form excludes injury or damage arising from alcoholic beverages sold, served or furnished without a required license.

“The "injury" occurs during the policy period in the "coverage territory"”

Mutual of Enumclaw Insurance Company · Liquor Liability Coverage · EG 80 33 03 26

Policy period. The separate liquor liability coverage includes a policy-period and territory requirement, along with known-injury conditions.

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