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The Liquor Liability product from Westchester Small Business not only insures hospitality risks but offers assault & battery coverage, and liability limits up to $1 million/$2 million.

Product Highlights

  • Monoline liquor liability for establishments that sell or serve alcoholic beverages, offering protection for covered claims of negligent sale or service
  • Assault & battery included, or available for additional premium
  • No cap on alcohol sales
  • Defense costs outside the limit
  • Liquor license holder included as additional insured automatically
  • Coverage available for both licensed and unlicensed operations
  • Offered in all states except AK, AL, LA, MS, RI, WV, MT, and SC


Liquor Liability

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  • Liquor liability limits up to $1 million/$2 million available


  • Retail Liquor/Convenience Stores
  • Restaurants
  • Private Fraternal Clubs
  • Banquet Halls
  • Caterers/Bartending Services
  • Wholesale Distributors


  • Wineries
  • After-Hours Clubs
  • Multiple Prior Liquor and/or Assault & Battery Claims
  • Territorial Restrictions Could Apply
  • Bottle Service


Westchester is one of the largest and most diverse excess and surplus lines commercial property and casualty insurance underwriters in the United States. Focused on the wholesale distribution channel, Westchester provides innovative specialty products for property, specialty casualty, environmental, professional risk, inland marine, product recall, small business, binding and programs. The business is further distinguished by exceptional financial strength, underwriting excellence and superior claims handling expertise. The material on this page contains product summaries intended for use solely by properly licensed insurance professionals. The insurance policy actually issued contains the terms and conditions of the contract. All products may not be available in all states and surplus lines products can be offered only through licensed surplus lines producers. Insurance provided by Westchester Fire Insurance Company and its U.S. based Chubb underwriting company affiliates. Chubb is the marketing name used to refer to subsidiaries of Chubb Limited providing insurance and related services. For a list of these subsidiaries, please visit our website at Westchester is a division of Chubb, the world’s largest publicly traded property and casualty insurer. With operations in 54 countries, Chubb provides commercial and personal property and casualty insurance, personal accident and supplemental health insurance, reinsurance and life insurance to a diverse group of clients. Parent company Chubb Limited is listed on the New York Stock Exchange (NYSE: CB) and is a component of the S&P 500 index. Chubb maintains executive offices in Zurich, New York, London and other locations, and employs approximately 30,000 people worldwide. Additional information can be found at: