Liquor Liability Insurance
For Insurance Professionals Placing Liquor Liability Risk
Zero Deductible | Liquor Receipts to 100% Considered | AM Best A- Rated Carrier
Conifer’s standalone Liquor Liability program is built on over three decades of dedicated liquor liability underwriting experience and backed by an in-house claims team with a reputation for defending liquor licensees.
Backed by Accelerant National Insurance Company (Admitted, Michigan) and Hadron Specialty Insurance Company (E&S), both rated AM Best A- (Excellent).
Product Highlights
- Admitted in Michigan
- E&S in Illinois, Indiana, and Ohio
- Liquor Liability available up to $1M/$1M
- Limits starting at $50,000
- Zero deductible
- Liquor receipts to 100% considered
- Assault & Battery coverage available (risk type dependent)
- Premiums based on annual liquor receipts and risk type
Target Classes
Conifer’s monoline Liquor Liability program is available across all Food & Beverage and Mainstreet classes, plus additional eligible operations where alcohol is sold, served, or furnished.
Three things set this program apart: over three decades of liquor liability underwriting experience, an in-house claims team known for defending liquor licensees, and terms that are hard to match in the standalone market.
Eligible Food & Beverage Classes
- Bars & Taverns
- Restaurants
- Pubs, Bistros & Wine Bars
- Fraternal Organizations
- Breweries, Wineries & Distilleries
- Cigar & Hookah Lounges
- Gaming Parlors
For details on these classes and full package options (GL, Property, and Liquor Liability together), see the [Food & Beverage program page].
Eligible Mainstreet Classes
- Convenience Stores
- Beer, Wine & Liquor Stores
- Cigar Stores
- Tobacco Stores
- Vape Shops
For details on these classes and full package options (GL, Property, and Liquor Liability together), see the [Mainstreet program page].
Liquor Liability for Grocery Stores
Grocery stores that sell beer, wine, or liquor carry off-premises liquor liability exposure that many standard commercial property programs exclude. The liquor component is often a small percentage of total revenue, but the statutory liability obligation applies regardless of sales volume.
Conifer’s monoline program provides standalone liquor coverage without disrupting the existing GL/Property placement.
Coverage
Liquor Liability: Available up to $1M/$1M
Deductible: Zero
Liquor Receipts: Up to 100% considered
Ready to submit? Submit to CommercialLines@ConiferInsurance.com.
Liquor Liability for Gas Stations
Gas stations with beer, wine, or liquor sales carry off-premises liquor liability exposure. Commercial property and petroleum programs often exclude or restrict liquor coverage, leaving agents to find a standalone solution for the alcohol component.
Conifer’s monoline program fills that gap with zero deductible and liquor receipts to 100% considered.
Coverage
Liquor Liability: Available up to $1M/$1M
Deductible: Zero
Liquor Receipts: Up to 100% considered
Ready to submit? Submit to CommercialLines@ConiferInsurance.com.
Liquor Liability for Comedy Clubs & Dinner Theaters
Comedy clubs and dinner theaters combine entertainment, food service, and alcohol in a single venue. The liquor exposure may be secondary to the entertainment draw, but the liability is real. Entertainment venue programs often exclude liquor coverage, and standard hospitality markets may restrict these operations based on the entertainment component.
Conifer’s monoline program provides standalone liquor coverage for venues where alcohol is part of the experience.
Coverage
Liquor Liability: Available up to $1M/$1M
Deductible: Zero
Liquor Receipts: Up to 100% considered
Ready to submit? Submit to CommercialLines@ConiferInsurance.com.
Liquor Liability for Billiard & Pool Halls
Billiard and pool halls that serve alcohol carry liquor liability exposure that standard recreation programs may not address. The combination of alcohol service, extended hours of operation, and the social environment creates a risk profile that requires dedicated liquor coverage.
Conifer’s monoline program provides standalone liquor coverage without disrupting the existing GL/Property placement.
Coverage
Liquor Liability: Available up to $1M/$1M
Deductible: Zero
Liquor Receipts: Up to 100% considered
Ready to submit? Submit to CommercialLines@ConiferInsurance.com.
Liquor Liability for Bowling Centers
Bowling centers with bar or lounge areas carry liquor liability exposure alongside their recreation operations. Many recreation and entertainment programs exclude or limit liquor coverage, leaving agents to source standalone coverage for the alcohol component.
Conifer’s monoline program fills that gap with terms built for the liquor risk, not adapted from a broader recreation policy.
Coverage
Liquor Liability: Available up to $1M/$1M
Deductible: Zero
Liquor Receipts: Up to 100% considered
Ready to submit? Submit to CommercialLines@ConiferInsurance.com.
Submissions & Downloads
How to Submit
Send completed applications and loss runs to CommercialLines@ConiferInsurance.com
What We Need
- Completed Conifer Application, ACORD forms, or equivalent completed application
- 3-5 years of loss history (current and prior carriers)
- Annual liquor receipts
Frequently Asked Questions for Liquor Liability Insurance
The Liquor Liability program is backed by Accelerant National Insurance Company (Admitted, Michigan) and Hadron Specialty Insurance Company (E&S), both rated AM Best A- (Excellent).
Admitted in Michigan. E&S in Illinois, Indiana, and Ohio.
Yes. Conifer’s Liquor Liability program is available monoline in select states. It provides standalone liquor liability coverage and does not include GL or Property. If your client needs GL, Property, and Liquor Liability together, see Conifer’s Food & Beverage or Mainstreet programs.
The requirement for liquor liability insurance varies by jurisdiction. Some states or local governments may mandate this coverage for businesses that sell or serve alcohol. It’s essential to check and comply with local regulations to determine if liquor liability insurance is required.
Dram Shop laws hold businesses that sell or serve alcohol responsible for any harm caused by a patron who was served alcohol illegally or irresponsibly. Liquor liability insurance often covers claims related to Dram Shop liability.
No. Conifer considers liquor receipts to 100%.
Assault & Battery coverage is available and is risk type dependent.
Yes. Conifer handles claims in-house with a team that has a strong track record of defending liquor licensees. Claims are not outsourced to a third-party administrator.
Yes. The monoline structure is designed for exactly this situation. If a client’s GL and Property are placed with another carrier that excludes or restricts liquor coverage, Conifer’s standalone Liquor Liability fills the gap.
Conifer’s Food & Beverage program consolidates GL, Property, and Liquor Liability in a single submission for hospitality operations. Conifer’s Mainstreet program does the same for convenience stores, tobacco stores, and beer/wine/liquor retailers. Both are available in Michigan (Admitted) and select E&S states.
Yes. Bars, taverns, beer/wine/liquor stores, and other operations where alcohol is the primary or sole revenue source are eligible. Liquor receipts to 100% considered.
Nightclubs, adult entertainment, axe throwing venues, music venues, wedding venues, event centers, banquet halls, special events, mobile food trucks, and catering or bartending services.
Ready to Help
Conifer Insurance Services is a specialty Managing General Agency that partners exclusively with independent retail and wholesale insurance agencies to deliver niche commercial programs for cannabis, hospitality, liquor liability, specialty retail, and student housing risks, backed by A-rated carrier partners and supported by responsive, service-first underwriting.