What it does
BP 04 88 removes the liquor liability exclusion from Section II – Liability. ISO describes it simply as deleting the liquor liability exclusion. Liquor claims are then subject to the BOP's own liability limits and terms rather than to separate liquor limits.
Who needs it
Eligible restaurants and other BOP classes whose underwriter is willing to include liquor within the business liability limits. The only edition in current forms lists is 07 02.
Quoting and selling notes
- Compare with BP 04 89, which provides liquor coverage with its own each common cause and aggregate limits separate from the BOP liability limit.
- Ask about liquor receipts, hours, entertainment, security and training (TIPS or ServSafe).
