Alliance Risk vs Corgi Liquor Liability Insurance

Alliance Risk says it places liquor liability coverage for bars, nightclubs, taverns, restaurants and lounges in all 50 states, including accounts it says most standard carriers decline. ³Company-reported. Dedicated liquor liability product page, opening placement description.

Alliance Risk describes itself as an independent brokerage that specializes in complex placements for high-risk hospitality businesses, working with specialty carriers and surplus-lines markets it says most retail brokerages don't access. ³Company-reported. Dedicated liquor liability product page.

Not described in the reviewed sources.

The liquor liability page describes working with "specialty carriers and surplus lines markets" without naming any specific insurer that Alliance Risk places this coverage with. ³Not publicly disclosed. Checked the full dedicated product page as read on 2026-09-23; no carrier is identified by name for this line.

Corgi says liquor liability coverage is issued on a non-admitted surplus lines basis and is not protected by a state insurance guaranty fund. The page does not name the specific issuing insurer; that appears in the issued policy. ⁹Company-reported. Liquor liability page's Surplus Lines Placement section.

The liquor liability form is numbered CES-2-LIQ-001, a different prefix from the CORG-numbered forms Corgi uses for its startup lines (for example CORG-CGL-0100). The reviewed pages do not explain what "CES" refers to or confirm whether this program shares an underwriting entity with Corgi's other products. ⁹Not found in reviewed sources. Liquor liability page as read on 2026-09-23; form-number comparison against the CGL product page.

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. ³Company-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. ^9,10Company-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.

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. ³Company-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. ⁹Company-reported. Liquor liability coverage table, scenario notes and policy notes; illustrative summary subject to the issued declarations and endorsements.

Not described in the reviewed sources.

Corgi's liquor liability form defaults to a $25,000 assault-and-battery sublimit per common cause and $50,000 in the annual aggregate, with defense costs inside the limits; the per-occurrence and policy-aggregate liquor liability limits themselves are shown only as "see declarations" on the page, not published. ⁹Company-reported. Liquor liability coverage table; default sublimits may be modified by endorsement.

Alliance Risk says it accesses surplus-lines markets and specialty hospitality carriers to keep placing liquor liability coverage in hard-market conditions, walks clients through the policy, and helps address the assault-and-battery coverage gap common to this line. ³Company-reported. Dedicated liquor liability product page, closing sections on market conditions and policy evaluation.

The reviewed liquor liability pages do not describe standalone risk-control or staff-training services beyond referencing loss history and staff practices as underwriting factors. ^9,10Not found in reviewed sources. Liquor liability and clubs-and-lodges pages as read on 2026-09-23.

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. ³Company-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. ^9,10Company-reported. Liquor liability page call to action and clubs-and-lodges underwriting FAQ.