When you are reviewing coverage for your social club accounts, don’t forget about the importance of securing liquor liability coverage. The Hospitality and Liquor team at USLI created a product specifically for this kind of risk and their unique exposures under our Club Select product.
What kind of establishments fall into this category?
Our product is designed for nonprofit risks with alcohol served at their premises, including but not limited to fraternal organizations, social and recreation clubs and civic leagues or social welfare organizations. We can consider risks that have BYOB, events/hall rentals and up to 100% alcohol sales.
Some of the types of establishments we can consider for this product include:
- American Legion
- Veterans of Foreign Wars (VFW)
- Masonic lodges
- Ethnic or cultural organizations
- Cultural societies
- Social/Dinner clubs
Why do they need liquor liability?
These establishments have an exposure for negligent service of alcohol to an intoxicated individual, service to a minor, and potential assault and battery claims due to overservice. For often a small premium, these nonprofit establishments can protect themselves from a potentially devastating lawsuit.
Our Club Select product always includes the club members automatically as additional insureds, so they can have peace of mind if they participate in the selling/serving of alcohol.
Additional advantages:
- Ease of doing business with our quick quote turnaround time (clubs with under 50% alcohol sales can be quoted online or over the phone)
- Liquor liability limits up to $1 million/$2 million
- Expense costs outside the limit with our top-shelf option
- No deductible
- Assault and battery included at full limits or sub-limited as a buy-back on most risks
- Our Business Resource Center provides policyholders with central access to business solution vendors (i.e., alcohol serving training, identity theft protection, marketing resources)
- In addition to competitive pricing, credits are available for establishments closing by 12 a.m., no violations or claims, no major entertainment and no drink specials
Our Club Select product is for monoline liquor liability, however we also have a dedicated Nonprofit Package team at USLI that can offer property, general liability, liquor liability, directors and officers, and employment practices liability for these types of establishments. If they do not have an annual liquor license, they may still be eligible for our special event product.
Send USLI your next hospitality/liquor liability submission today, and we will review to offer coverage.
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ONLINE SNAP.USLI.COM
PHONE 888-773-8754
EMAIL [email protected]
Please continue to think of us for your hospitality food and beverage accounts. We have remained a consistent liquor liability market for over 50 years. AM Best recently rated us an A++ insurance company once again. We want to provide our customers with the best experience through speed, ease of use and accessibility. Learn more about our hospitality and liquor coverage today!
