What it does
CG 00 33 pays damages because of "injury" (bodily injury and property damage, including care, loss of services or loss of support) if liability is imposed on the insured by reason of the selling, serving or furnishing of any alcoholic beverage. The injury must occur during the policy period in the coverage territory and not be known to listed insureds beforehand.
Who needs it
Any business in the business of manufacturing, distributing, selling, serving or furnishing alcohol, which the CGL liquor exclusion leaves uninsured.
Key provisions and limits
- Limits: Each Common Cause (all injury from selling, serving or furnishing alcohol to any one person) and an Aggregate.
- Exclusions include expected or intended injury (with a reasonable force exception), workers compensation, employer's liability and others listed in the form.
Quoting and selling notes
- Rated on liquor receipts; underwriters want the percentage of receipts from alcohol, hours, entertainment, security and training.
- Pair with CG 34 01 (landlord AI), CG 34 02 (franchisor AI) and CG 25 14 (per location aggregate) where required.
- Businesses that only host alcohol at their own events rely on the CGL's host liquor exception instead.
Quoting checklist
- Gather liquor receipts, total receipts, hours, entertainment, security staffing, ID scanning, server training (state programs where available) and prior incidents.
- Landlords, franchisors, event sponsors and permitting bodies may require AI status on the liquor policy (CG 34 01 to CG 34 04).
- BYOB establishments need CG 24 06; multi-location groups may need CG 25 14 for per location aggregates.
- Assault or battery exclusions (CG 35 09 from 01 26) increasingly appear on liquor policies; tell the client what is excluded.
