FAQs

Property coverage generally protects items at a fixed location. Inland marine covers property in transit or away from that location.

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.

California is not a traditional dram-shop state, so a broad legal mandate generally does not apply. That said, contracts, landlords, and licenses often require it. We can review your ...

Usually not. General liability commonly excludes liquor-related claims for businesses that serve or sell alcohol, which is why separate coverage matters.

Claims can still arise, including alleged failure to warn. Coverage response depends on the facts, and we can walk you through it.

Yes. Under California’s strict standards, sellers and distributors can be named in a product claim, not just manufacturers.

Many do, and marketplaces often require it before listing. We can help you meet those requirements.

Products-completed operations coverage is often included within general liability, but limits and terms vary. We recommend you review how your products are treated with us.