Do you have gas stations, convenience stores, grocery stores or beer/wine/liquor stores on your desk? Do you need a market for these accounts, particularly for liquor liability coverage? To help the insured — and to keep your own errors and omissions in mind — we encourage you to offer a liquor liability quote on every account. These establishments are held to the same negligent sale/service standards as bars and restaurants.
USLI has a quick and easy solution — let us be your go-to market for this business! You can get a quote however it’s easiest for you:
Our rating basis for beer, wine and liquor stores is sales. It is important to provide an accurate breakdown of sales receipts so we can provide you with an accurate quote upfront.
Key product features include:
- Package and monoline solutions
- General liability limits available up to $1 million/$3 million
- Liquor liability limits available up to $1 million/$2 million
- Property values up to $3 million (property coverage is not available for gas stations, convenience stores or grocery stores)
- Assault or battery coverage is automatically included under liquor liability coverage limits
- Defense costs outside policy limits
Common declination reasons include:
- Establishments located in AK, AL, IL, LA, MN, MS, NM, RI, SC, WV (liquor liability coverage)
- Larger than 5,000 square feet (general liability coverage)
- Receipts exceed $3 million (general liability coverage)
