1. Forms
  2. BP
  3. BP-14-89

What it does

BP 14 89 extends Business Liability coverage to bodily injury or property damage connected with alcohol for insureds who permit any person to bring alcoholic beverages onto their premises for consumption there, whether or not a fee (such as corkage) is charged. ISO lists it with the BOP's liquor endorsements.

Who needs it

BYOB restaurants, cafes, paint-and-sip studios and venues where guests bring wine or beer. These businesses do not sell alcohol, but courts and the BOP's liquor exclusion can still reach permitting consumption on the premises.

Quoting and selling notes

  • Ask whether the business charges corkage, provides glassware, ice or mixers, and how it limits consumption.
  • Connecticut, Illinois and Utah use state versions; ISO also offers BP 16 32, a limited exception to the liquor exclusion for bring-your-own-alcohol.

Related forms

BP 04 89; BP 16 32.