Alliance Risk vs Harper 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.

For liquor liability, Harper says it takes one application to every carrier that can write the risk and shows the business all the quotes that come back, instead of sending the account to a single carrier. ⁶Company-reported. Product-page description of the 'Harper Concierge' process for this line.

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.

The liquor liability page names no specific insurer for this line; it shows a general partner-insurer logo strip shared across Harper's site rather than carriers tied to liquor liability placements. ⁶Not publicly disclosed. Liquor liability product page as read on 2026-09-23.

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.

Harper organizes its liquor liability practice around food-and-beverage segments: full-service restaurants with a bar program, general/casual restaurants serving beer or wine, quick-serve and fast-casual concepts, fast-food franchises, and nightclubs and bars, which it calls its highest-risk segment. ⁶Company-reported. Segment breakdown on the liquor liability page; each segment links to a different Harper application.

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.

Harper says the liquor liability coverage it places is sized to the alcohol license type, from limited beer-and-wine liquor liability up to high-limit liquor liability and assault-and-battery coverage for nightclubs, usually packaged with general liability, property and other lines relevant to the segment. ⁶Company-reported. Segment-specific coverage lists on the product page; actual policy wording and package composition depend on the insurer and underwriting.

Not described in the reviewed sources.

The reviewed page describes 'high-limit' liquor liability for nightclubs and bars but does not publish specific limit or retention amounts for any segment. ⁶Not publicly disclosed. Liquor liability product page as read on 2026-09-23.

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.

Harper states that 98.78% of its customers renew with it and that more than 6,000 businesses use Harper, figures the company attributes to itself without citing an independent audit. ⁶Company-reported. Company-reported statistic on the liquor liability page; not independently verified and not broken out by line.

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.

Harper routes liquor liability applicants into a segment-specific application (for example, a restaurant/bar application with a liquor supplement, or a nightclub application with an assault-and-battery supplement) after a specialist-led conversation about the business. ⁶Company-reported. Application flow described on the liquor liability page.