Liquor Liability

Founders has been serving the hospitality industry for over 50 years. Insuring Chicago dance halls in the early 1960’s, Founders used an application asking how frequently the orchestra played! Today we write monoline liquor liability insurance in 18 states. Five decades of experience allows for flexibility in risk acceptance, too. Your most troublesome characteristics, such as late closings, prior claims, new ventures, live entertainment or special events aren’t troublesome for Founders. Pricing is based upon our own historical loss data–which allows us to be more competitive in certain classes of business.

In most states, the liquor liability coverage is offered up to $1,000,000 per occurrence / $2,000,000 aggregate limits. Except where required by law, assault and battery coverage is excluded, but an endorsement may be purchased in various limits up to the $1,000,000 per-occurrence policy limit for additional premium.

Founders provides the online capabilities you expect and the personal service you need for underwriting and binding risks. As an agent, you have access 24/7/365 to Founders’ Point of Sale rater, which allows you and your underwriters limited surcharging and discounting authority on risks. You can also submit risks for quoting to Founders’ commercial underwriters, who utilize the same quoting system. Our commercial underwriters can also be reached via email, telephone, and live chat on this website.

Service following purchase of the policy is equally important. Founders’ claim adjusters not only have the investigation skills necessary to track sometimes transient witnesses like bartenders and waitresses, but they also know the science of toxicology which is extremely important to properly defending policyholders against liquor liability claims. Furthermore, they understand that policyholders often want latitude to attempt to resolve minor claims on their own.

How To Quote
From the QUOTE tab, click ‘Commercial & Liquor Liability’
In the SELF QUOTE box, select the state and effective date and begin keying the risk data under each tab
Print and delivery quote when no characteristics require UW review
In cases where ‘Underwriter Review’ is required, click ‘Review for Approval’ and attach both application and loss runs
Your state underwriter will email terms when approved and Bind authority is restored for Agency Bill accounts
How to Bind (Agency Bill)
Bind authority applies to all eligible risks and those approved by state underwriter
Bind confirmation including Policy number and Effective Dates available when Bind button is clicked
Email state underwriter the Founders signed and dated application and loss runs. Include the signed and dated TRIA for - CO, IA, IL, MT, OR & WI
Your state underwriter will email Declaration Page once all conditions are met
How to Bind (Direct Bill)
Email bind request, Founders signed and dated application; signed and dated TRIA form (for state of IL & WI), down payment in form of electronic check (bank routing & account number) or credit card information to the underwriter. Once payment receipt is confirmed, underwriter will bind & issue the policy.

State Map
   Program Highlights

  • Offered in 18 states
  • Limits up to $1 million per occurrence /
    $2 million aggregate (except in AL)
  • Assault and battery coverage up to $1,000,000 limits (except in AL)
  • Flexibility in risk acceptance, including:
  • Late closings
  • Prior claims
  • New ventures
  • Live entertainment
  • Special events
  • Any risk with a liquor license eligible, including:
  • Bars / taverns / nightclubs
  • Adult entertainment clubs
  • Restaurants / banquet halls
  • Private, fraternal, and social clubs
  • Liquor, convenience, and grocery stores
  • Golf courses / country clubs
  • Hotels / motels
  • Bowling alleys
  • Distributors
  • Caterers
  • Pool Halls
  • Sports Venues
This is a summary of coverage and services. The precise coverage is subject to the actual terms and conditions of the insurance policy. Not all coverages or services are available in all states. For complete details of coverage, contact your independent insurance agent.