What it does
CG 21 50 replaces Coverage A exclusion c. It excludes bodily injury or property damage for which any insured may be liable by reason of causing or contributing to intoxication (including by permitting alcoholic beverages to be brought on the premises for consumption there), furnishing alcohol to someone under the legal drinking age or under the influence, or any statute, ordinance or regulation relating to alcohol. It applies even if the claim alleges negligent supervision, hiring, training or monitoring, or providing or failing to provide transportation for an intoxicated person.
Who needs it
BYOB restaurants, banquet halls, event venues, social clubs and similar businesses.
Key provisions and limits
- Unlike the standard exclusion, it does not limit itself to insureds in the business of manufacturing, distributing, selling, serving or furnishing alcohol.
Quoting and selling notes
- Clients that allow BYOB or host events need liquor liability (CG 00 33 with CG 24 06 for BYOB) to fill the gap.
- CG 21 51 excepts scheduled premises or activities; CG 29 52 and CG 29 53 carry the same titles.
