Are there any exclusions in Liquor Liability Insurance policies?

Liquor Liability Insurance policies often contain exclusions. The exact exclusions can vary depending on the insurance provider and policy terms, but there are common exclusions that you may find in most Liquor Liability Insurance policies.

Here are some typical exclusions:

Intentional Acts:

Most policies exclude coverage for intentional acts or willful misconduct. This means that if an employee or the insured intentionally serves alcohol to a minor or overserves a customer, resulting in harm, the policy may not provide coverage.

Criminal Activities:

Claims related to illegal activities, such as selling alcohol without the proper license, may be excluded from coverage.

Employment Practices:

Liquor Liability Insurance is not designed to cover employment-related claims, including issues like wrongful termination, discrimination, or sexual harassment. These would typically be addressed by Employment Practices Liability Insurance (EPLI).

Failure to Comply with Alcohol Laws:

Claims resulting from non-compliance with alcohol laws, such as serving alcohol to intoxicated individuals in violation of local regulations, may be excluded.

Bodily Injury to Employees:

Some policies may exclude coverage for bodily injury claims made by employees. These would typically be addressed under a Workers' Compensation policy.