Looking for business that’s quick to quote and binds at a high rate? Our convenience/deli/grocery and beer/wine/liquor store offering continues to deliver as our highest binding hospitality and liquor product.
Why do these risks need insurance?
Even though there is no on-premises alcohol consumption for these establishments, they have the same dram shop responsibilities as bars and restaurants, making liquor liability coverage essential to protect against serving minors or visibly intoxicated patrons. Below are two recent claim examples:
| Liquor Liability |
|---|
| A 16-year-old purchased beer from a local retail store and no one checked his ID. He took the beer to an underage drinking party, and several hours later, his 20-year-old sister arrived to take him home. She also consumed some beer. After they left, she lost control of her convertible, which flipped over and killed her brother. The mother of the deceased filed suit against the retail store. Even though the person who caused the accident did not actually purchase the alcohol, the retail store was held liable due to the illegal sale to a minor. The claim settled for $580,000 in damages and expense costs totaled an additional $100,000. |
| A convenience store denied service to a patron who appeared intoxicated. The patron was later involved in an auto accident. Despite denying service, the convenience store was named in the suit. Ultimately, the convenience store was not found liable, but expense costs totaled $75,000. |
General liability coverage is also essential as these claims can be more frequent than liquor claims. Some common examples include slip and fall, falling objects, bad gasoline, defective or contaminated products, false arrest and employee conduct. Below are two recent claim examples:
| General Liability |
|---|
| A customer shopping at a grocery store went to use the restroom. The tile floor area just outside of the restroom was wet, and the customer slipped and fell, breaking their arm. They filed a lawsuit against the grocery store for pain and suffering, medical bills and rehabilitation expenses. |
| The insured accepted a new vendor to provide their frozen seafood. One of the customers got a stomach virus from the tainted flounder. The customer filed a lawsuit against the insured, alleging severe food poisoning from negligence. |
Why use USLI for these risks?
- Competitive minimum premiums
- Fast and easy quoting — phone or online quotes in under five minutes or email submissions with a quick turnaround
- No liability deductibles
- Broad appetite with straightforward underwriting
- Admitted options in most states
- Option for direct bill
Eligible risks include:
- Convenience stores selling beer, wine and/or liquor, including gas stations
- Beer, wine and liquor stores
- Delis
- Specialty grocery stores that sell alcohol
- Specialty wine stores, including those with tasting or pairing events
Available coverages:
- General liability up to $1 million/$3 million underlying limits, plus excess
- Liquor liability up to $1 million/$2 million
- Property up to $3 million (property is not available for gas stations, convenience or grocery stores)
Send USLI your next convenience or liquor store or submission today!
Get a quote fast — your way
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!
