Restaurant Liquor Liability

Excess Casualty Insurance for Hospitality, Restaurant and Real Estate Businesses

  • You can get tailored solutions with our robust, easy-to-use endorsements, backed by Chubb’s underwriting, claim management and loss control specialists. 

Your umbrella policy may fail to cover real estate-specific risks. Enhance it with Chubb industry-specific endorsements and coverage tailored for hospitality and real estate.

Coverage Highlights

Benefits

  • Industry leading terms and conditions tailored to real estate and hospitality clients

  • Admitted coverage

  • Underwriting specialists deployed throughout the U.S.

  • Claims management expertise in real estate and hospitality risks

  • Long term claims-paying capability, supported by a strong balance sheet

  • Chubb’s long-standing commitment to provide the highest level of service

Coverage

Specialty coverage extensions for hotel operations and restaurants (with less than 30% liquor receipts), including:

  • Broad Form Named Insured

  • Products-Completed Operations Coverage for Restaurant Operations

  • Liquor Liability Coverage

  • Limited Fungi/Bacteria Exclusion – Exceptions for Food and Certain

  • Properties

  • Third-Party Discrimination Coverage

  • Garage Keepers Legal Liability Coverage

  • Notice of Occurrence

  • Unintentional Failure to Disclose

  • Cancellation Amendatory Endorsement

  • Non-Owned Watercraft Extension

  • Incidental Medical Malpractice

  • Pollution – Combination Exception Time Element and Named Peril

  • Catastrophe Management Coverage with Food Laboratory Testing - $25,000 Sublimit

Specialty coverage extensions for commercial building owners, investors and managers, including:

  • Broad Form Named Insured

  • Third-Party Discrimination Coverage

  • Garage Keepers Legal Liability Coverage

  • Products-Completed Operations Coverage for Restaurant Operations

  • Construction (Means and Methods) Professional Services

  • Liquor Liability Coverage

  • Limited Fungi/Bacteria Exclusion – Exceptions for Food and Certain

  •  Properties

  • Unintentional Failure to Disclose

  • Notice of Occurrence

  • Cancellation Amendatory Endorsement

  • Non-Owned Watercraft Extension

  • Incidental Medical Malpractice

  • Pollution – Combination Exception Time Element and Named Peril

  • Catastrophe Management Coverage with Food Laboratory Testing - $25,000 Sublimit

Minimums & Limits

  • Annual minimum premium starting at $10,000 per policy or $750 per $1 million of limits

Target Clients

Hospitality and Restaurant Segments

  • Hotel operations and restaurants (with less than 30% liquor receipts)

  • Casual to fine dining restaurants

Real Estate Segments
Commercial building owners, investors and managers

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Connect with The Hurley Agency Today!
Kevin Hurley
(908) 625-8103