What it does
CG 28 06 01 96 is the Limitation Of Coverage To Insured Premises endorsement for use with liquor policies. It restricts the liquor liability coverage to injury arising from selling, serving or furnishing alcohol at the insured premises shown.
Who needs it
Bars and restaurants with off-premises catering or events, where the limitation would leave those exposures uninsured.
Quoting and selling notes
- Ask whether the client caters or serves at off-site events; those need separate coverage if this form is attached.
- 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.
