What it does
CG 24 08 states simply that exclusion c. – Liquor Liability of Coverage A does not apply.
Who needs it
Restaurants with small alcohol sales, clubs, caterers and similar businesses where the carrier includes liquor within the CGL.
Key provisions and limits
- Liquor claims then share the CGL limits and aggregates.
Quoting and selling notes
- Compare with a separate liquor policy (CG 00 33), which provides its own limits.
- Underwriters rate liquor exposure on alcohol receipts and look at hours, entertainment, security, ID checks and server training; dram shop laws vary widely by state, which drives limits and pricing.
- Ask for alcohol receipts and the percentage of total sales; carriers usually limit this endorsement to low liquor-to-food ratios.
