What it does
CG 34 01 adds the scheduled landlord or manager as an additional insured on the Liquor Liability Coverage Part, for "injury" arising out of the selling, serving or furnishing of any alcoholic beverage by any insured on the part of the premises leased to the named insured.
Who needs it
Restaurant and bar tenants whose leases require the landlord to be covered for dram shop claims, not only general liability.
Key provisions and limits
- No coverage for injury that takes place after the named insured ceases to be a tenant at the designated premises.
- Coverage applies only to the extent permitted by law.
- Contract-based limits: coverage is no broader than any contract requires, the most paid for the additional insured is the lesser of the contract-required amount or the policy limits, and the endorsement does not increase limits.
Quoting and selling notes
- Pair with CG 20 11 on the CGL; the CGL's liquor exclusion means the CGL AI form alone does not protect the landlord from liquor claims.
