Alliance Risk vs 
Corgi: How Do They Compare for Liquor Liability Insurance?
Alliance Risk places liquor coverage for bars, restaurants and lounges nationwide, including hard-to-place accounts; Corgi limits its program to eligible veterans’ and fraternal lodges with licensed on-premises bars.
Alliance Risk places liquor liability for bars, nightclubs, and restaurants in all 50 states, including hard-to-place accounts; Corgi’s form is restricted to eligible veterans’ and fraternal lodges with licensed bars and has a default $25,000/$50,000 assault-and-battery sublimit. 1,2,3
What Are the Key Differences Between Alliance Risk and Corgi Liquor Liability Insurance?
Hospitality Venues or Eligible Lodges
Alliance Risk lists bars, nightclubs, taverns, restaurants, and lounges in all 50 states, including accounts standard carriers decline. Corgi limits its program to eligible veterans’ and fraternal lodges with licensed on-premises bars; it is not a general option for restaurants or bars. That eligibility rule is decisive for most venue buyers. 1 2 3
Choose Alliance Risk for a hospitality venue, and Corgi only if your lodge meets its eligibility rules.
Assault-and-Battery Terms
Alliance Risk says assault-and-battery is commonly excluded unless endorsed and says it helps address that gap. Corgi’s occurrence form defaults to a $25,000 sublimit per common cause and $50,000 aggregate, with defense costs inside the limits. A lodge buyer should compare those caps with the amount required by its lease or contracts. 1 2
Quote Process
Alliance Risk offers an online quote request or advisor assessment and says it places coverage in strict dram-shop states such as New York, New Jersey, and Illinois. Corgi sends lodge prospects to an advisor, and underwriting reviews license, alcohol receipts, hours, entertainment, staff practices, and loss history. 1 2 3
What Should You Confirm in Alliance Risk and Corgi Liquor Liability Insurance Quotes?
- Confirm your lodge meets Corgi’s eligibility rules before applying. 2
- Ask both providers which insurer will issue the policy. 1 2
- Compare assault-and-battery limits, including Corgi’s $25,000/$50,000 defaults and any Alliance Risk endorsement. 2 1
- Ask Corgi whether off-premises events require an endorsement. 2
Alliance Risk vs Corgi Liquor Liability Insurance Compared
Alliance Risk vs Corgi: Liquor Liability Insurance: documented features by provider
| Criteria | Liquor Liability Insurance | Corgi Liquor Liability Insurance for Clubs & Lodges |
|---|---|---|
| Who It’s For | Alliance Risk says it places liquor liability coverage in all 50 states, including jurisdictions with the strictest dram shop statutes such as New York, New Jersey and Illinois, where it says claims frequency and severity are highest. 1Company-reported. Dedicated liquor liability product page, dram shop section. | Corgi markets liquor liability as a program limited to eligible veterans' and fraternal lodges operating licensed on-premises bars, not general liquor liability for bars, restaurants or other venues. 2,3Company-reported. Liquor liability product page and clubs-and-lodges page, both current as of 2026-09-23. Eligibility for a specific lodge is subject to underwriting. |
| How to Apply | Alliance Risk's liquor liability page directs prospective clients to book a customized risk assessment with one of its insurance risk advisors or request a quote online. 1Company-reported. Dedicated liquor liability product page calls to action. | Corgi routes liquor liability prospects to "Talk to an advisor" rather than its instant-quote flow used for CGL, Cyber and other startup lines, and says underwriting reviews the liquor license, alcohol receipts, hours of service, entertainment, staff practices and loss history. 2,3Company-reported. Liquor liability page call to action and clubs-and-lodges underwriting FAQ. |
| Coverage Features | Alliance Risk's page explains that liquor liability is sold separately from general liability because standard CGL policies exclude alcohol-related claims for businesses that sell or serve alcohol, and that liquor liability policies commonly exclude assault-and-battery claims unless a separate endorsement is added. 1Company-reported. Dedicated liquor liability product page, coverage and exclusions sections; the issued policy controls actual terms. | The occurrence-based program form may respond to third-party bodily injury or property damage claims tied to selling, serving or furnishing alcohol, including allegations of intoxication and liability under an applicable dram-shop or liquor-control law, but it applies only to the declared premises and excludes off-premises events, cannabis and THC beverages, and knowing service to an underage patron by an insured who knew, unless separately endorsed. 2Company-reported. Liquor liability coverage table, scenario notes and policy notes; illustrative summary subject to the issued declarations and endorsements. |
