Either can work, and the structure matters more than the packaging. Some programs add liquor liability by endorsement to a general liability or business owners policy. Others write it separately, which is common where alcohol is the main exposure rather than an incidental one. The questions are the same either way. Is the liquor limit its own limit or shared with general liability, does defense sit inside the limit or outside it, and is assault and battery held to a lower sublimit. Two quotes showing the same headline limit can behave very differently once a claim is filed.
Related FAQs
Because claims can still be filed and need a defense, the obviously intoxicated minor exception and certain assault or over-service claims can still reach your business, and venues, landlords, ...
Serving any minor, or an obviously intoxicated person of any age, is a criminal and Alcoholic Beverage Control (ABC) licensing violation, separate from any civil suit. California also requires ...
Yes, exposure can arise even from occasional service. Host and special-event options may fit, and we can walk you through them.
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