How We Handle General Liability and Liquor Liability
As always, we will continue to be a market for Liquor Liability on a mono-line or standalone basis. However, General Liability will not be offered on a mono-line basis. In order to provide a General Liability quote, we must also provide a quote for the Liquor Liability. If we quote on both the Liquor Liability and the General Liability, we can bind either coverage on a mono-line or standalone basis. We can bind the General Liability by itself if we do not receive an order to bind the Liquor Liability. Likewise, we can bind coverage on the Liquor Liability by itself if we do not receive an order to bind the General Liability. Risks that are unacceptable for Liquor Liability will also be declined for General Liability.
Our monthly statements to our producers will include both the General Liability and the Liquor Liability policies, but they will be separate line items for each line of coverage even though both policies may cover the same account.