A statutory exposure
Dram shop laws, on the books in some form in most states, can hold a business responsible for injury caused by a patron it kept serving past the point of visible.
Liquor
Bars, restaurants, breweries, caterers and one-night events.
Cennairus is a licensed wholesale insurance broker: retail agents send us the accounts their own markets cannot place, stay the agent of record, and we take each account to the markets on our panel of 145 carriers that write it. Liquor liability answers for injury or property damage a third party suffers because of an intoxicated patron a business kept serving, with its own limit and its own defense, separate from general liability. Liquor authorities generally require proof of it before issuing or renewing a licence. Cennairus places it with markets that actually write it.
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A few fields — we shop it across the panel and come back with real terms. No obligation.
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Dram shop laws, on the books in some form in most states, can hold a business responsible for injury caused by a patron it kept serving past the point of visible.
Liquor receipts as a share of total sales is the number every market asks for first — not total revenue, and not square footage.
Whether an assault or altercation on the premises is covered often comes down to a single endorsement, not the base form.
Quoted alongside the GL and property when a carrier will attach it, or written on its own when the primary market will not touch alcohol.
Routed to markets with a real appetite for alcohol exposure instead of a portal that says no.
Liquor receipts and total sales pulled from the documents so the rating basis is right the first time.
Quoted with the GL and property, or on its own when the package carrier will not attach it.
Who buys it: bars, taverns and nightclubs; restaurants and gastropubs that serve alcohol with food; breweries, distilleries, wineries and tasting rooms; caterers and mobile bars working private events; liquor stores and package stores; country clubs, banquet halls and licensed event venues.
Every pour behind that bar is the exposure this policy is built to answer for.
Dram shop laws, which exist in some form in most states, create liability for a business that serves alcohol to a visibly intoxicated patron who then causes injury.
Often not fully.
It decides whether an injury from a fight or physical altercation on the premises is covered at all.
Total sales and liquor sales as a share of the total, hours of operation, any entertainment or dance floor, and loss history.
One appointment puts the whole panel behind your agency: every line we place, the programs, the producers who work the hard accounts, and your commission settled to your.
