Already work with USG? Click Here to contact your local office.   Kristen Taylor National Marketing Director Email: ktaylor@usgins.com Phone: 724-754-9007

Small Business Liquor Liability

 

Click the categories below for a brief description of our products.               For claims examples, customizable marketing pieces and               application for your agency click the tabs above.

 

 

 

 

 

 

 

 

 

 

 

 

 

Eligible Classes Include

>Bars/Taverns
      • Small to mid sized bars/taverns that sell alcohol for on-premises
        consumption
      • A credit is available for insureds who complete a formal alcohol
        awareness training
      • Bars with youthful clientele can be considered, if in business at least five
        years with no losses or violations, and with all alcohol servers completing
        formal alcohol awareness training

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> Restaurants
      • Small to mid sized restaurants
      • A credit is available for insureds who complete a formal alcohol awareness
        training course

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> Nightclubs/Adult Entertainment
      • Small to mid sized nightclubs/adult entertainment clubs in business
        at least two years under the same owner and same location
      • Nightclubs/adult entertainment establishments with youthful clientele
        (21-25 years) can be considered, provided risk has at least five years in
        business with no losses or violations and with all alcohol servers
        completing formal alcohol awareness training
      • A credit is available for insureds who complete a formal alcohol
        awareness training course

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> Retail Stores
      • Retail stores that sell or distribute alcohol for off-premises consumption
      • Risks with multiple locations can be considered with a breakout of receipts
        for each location
      • Automatically offer an aggregate per location endorsement to our policy
      • A credit is available for insureds who complete a formal alcohol awareness
        training course
      • Risks can include but are not limited to: wholesale and retail distributors,         liquor convenience, or package stores
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> Non-Profit Private/Fraternal/Social Clubs
      • Club Select is a liquor liability product designed to protect non-profit
        private, fraternal, and social clubs
      • Club Select offers preferred pricing for Clubs with annual alcohol sales of  
        $5k or less, no violations or losses in the past five years,  no drink specials
        or happy hours and no entertainment except for banquets
      • Club Members are automatically covered as insureds under this product
      • A credit is available for insureds who complete a formal alcohol
        awareness training course
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> Other
      • Additional classes are eligible, some typical risks include:
        On-Premises Banquet Halls, Country Clubs, “Bring Your Own Bottle”         Establishments, Off-Premises Caterers, Bartending Services,
        Concessionaires, and Breweries
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> Monoline Liquor Liability Product Features
      • Occurrence coverage
      • Defense costs outside of policy limits
      • Assault or Battery coverage available
      • Employees covered as insureds at no additional charge
      • No deductible available
      • Aggregate Per Location Endorsement offered for multi-location risks
      • Additional Insureds may be added for a nominal fee
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Special Events

> The Main Event
      • Designed to provide General Liability and/or Liquor Liability coverage for
        short-term events
      • Events with up to 5,000 attendees per day are eligible
      • Automatic coverage for volunteers and temporary or leased workers
      • Property owner included as an additional insured for no added charge
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> The Host
      • Designed for events featuring Host Liquor Liability exposures when
        purchased with General Liability
      • One-day events with 500 attendees or less are eligible
      • Separate limits are provided for Host Liquor Liability and General Liability
      • Property owner included as both additional insured for no added charge
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> Special Event Product Features
      • Occurrence coverage
      • Defense costs outside of policy limits
      • Automatic coverage for Volunteers, Temporary or Leased Workers
      • Medical Payments coverage available
      • Coverage for Damage to Rented Premises available
      • No deductible available

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