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Liquor Liability Application


Got A Thirst For Coverage?


Our agents asked and we listened! Hehr & Associates, Inc. (HAI) is now offering a new liquor liability program.  Liquor coverage can be written on a Package Basis (preferred) or as Monoline Liquor Policy.   A completed and signed Liquor Liability Application is required to properly underwrite and price liquor liability.

  • Coverage available to risks located in WV, OH, KY and PA
  • State licensing, laws and restrictions apply 
  • Rates vary by state. Premium based on gross liquor receipts; minimums apply.

Liquor Limit Options: The following Limit options are currently available:

Occurrence      Aggregate

    100,000          100,000 
    300,000          300,000  
    500,000          500,000
 1,000,000        1,000,000

Eligible Classes Include:  Restaurants and Bars/Taverns with alcohol sales less than 75%, Hotels, Clubs, Convenience Stores, Grocery/Package Stores, Liquor Distributors, and Liquor Manufacturers.

Full Assault & Battery limits will be offered on the following classes: Package Stores, Liquor Distributors, and Liquor Manufacturers.

Optional A&B Sub-limits of 100/200 (Defense within Limits), as part of the General Liability Coverage Form, will be offered on the following classes:  Restaurants with less than 75% alcohol sales, Hotels, Clubs, Grocery Stores, and Convenience Stores.


100,000/200,000 A&B Sub-limits (defense within limits)
Charge an additional 15% of Liquor Premium

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