Restaurant Liquor Liability

Excess Casualty Insurance for Hospitality, Restaurant and Real Estate Businesses
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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
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Industry leading terms and conditions tailored to real estate and hospitality clients
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Admitted coverage
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Underwriting specialists deployed throughout the U.S.
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Claims management expertise in real estate and hospitality risks
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Long term claims-paying capability, supported by a strong balance sheet
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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:
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Broad Form Named Insured
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Products-Completed Operations Coverage for Restaurant Operations
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Liquor Liability Coverage
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Limited Fungi/Bacteria Exclusion – Exceptions for Food and Certain
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Properties
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Third-Party Discrimination Coverage
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Garage Keepers Legal Liability Coverage
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Notice of Occurrence
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Unintentional Failure to Disclose
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Cancellation Amendatory Endorsement
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Non-Owned Watercraft Extension
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Incidental Medical Malpractice
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Pollution – Combination Exception Time Element and Named Peril
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Catastrophe Management Coverage with Food Laboratory Testing - $25,000 Sublimit
Specialty coverage extensions for commercial building owners, investors and managers, including:
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Broad Form Named Insured
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Third-Party Discrimination Coverage
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Garage Keepers Legal Liability Coverage
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Products-Completed Operations Coverage for Restaurant Operations
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Construction (Means and Methods) Professional Services
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Liquor Liability Coverage
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Limited Fungi/Bacteria Exclusion – Exceptions for Food and Certain
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Properties
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Unintentional Failure to Disclose
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Notice of Occurrence
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Cancellation Amendatory Endorsement
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Non-Owned Watercraft Extension
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Incidental Medical Malpractice
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Pollution – Combination Exception Time Element and Named Peril
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Catastrophe Management Coverage with Food Laboratory Testing - $25,000 Sublimit
Minimums & Limits
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Annual minimum premium starting at $10,000 per policy or $750 per $1 million of limits
Target Clients
Hospitality and Restaurant Segments
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Hotel operations and restaurants (with less than 30% liquor receipts)
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Casual to fine dining restaurants
Real Estate Segments
Commercial building owners, investors and managers