How We Handle General Liability and Liquor Liability
The carrier for our General Liability Program and our Liquor liability Program is Hudson Specialty Insurance Company or Hudson Excess Insurance Company, depending upon the state and/or the class of business involved (see the About the Our Carrier tab for more details). Even though the same carrier or sister carriers would provide the coverage, we will provide separate quotations, binders and policies for the General Liability and the Liquor Liability on the same account.
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.