Corgi vs Coverdash Liquor Liability Insurance

Not described in the reviewed sources.

Coverdash arranges liquor liability coverage as a broker rather than an insurer. Its terms require customers to designate it as broker or agent of record and to work exclusively with it before it places coverage with a carrier. ^10,11Company-reported. General brokerage terms applied to the liquor liability product page; not specific to any one carrier or state.

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. ⁶Company-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. ⁶Not found in reviewed sources. Liquor liability page as read on 2026-09-23; form-number comparison against the CGL product page.

The liquor liability page does not name the insurer that issues the policy. Coverdash's terms say the insurance carrier, not Coverdash, decides whether to offer coverage. ^11,10Not publicly disclosed. Reviewed liquor liability page and terms as of 2026-09-23; neither names a carrier for this line.

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. ^6,7Company-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.

Coverdash markets liquor liability to bars, restaurants, breweries, caterers and event venues that serve alcohol, and says it is often required by landlords, licensors and event contracts. ¹¹Company-reported. Product-page eligibility description; actual acceptance depends on underwriting.

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. ⁶Company-reported. Liquor liability coverage table, scenario notes and policy notes; illustrative summary subject to the issued declarations and endorsements.

Coverdash describes four liquor liability protections: bodily injury caused by a patron the business served, property damage from an intoxicated customer, claims from alcohol-related assault and battery on the premises, and legal defense and settlement costs for covered liquor claims. ¹¹Company-reported. Product-page coverage cards; the issued policy and declarations control actual wording, limits and exclusions.

Coverdash says liquor liability responds to dram shop claims, where a business that serves alcohol to someone who then injures a third party can be held liable. It notes dram shop laws vary by state and that coverage for host-liquor or BYOB events varies, so a buyer should confirm the policy addresses it. ¹¹Company-reported. FAQ answers on dram shop laws and BYOB events; no specific state law or policy wording checked.

Coverdash says most general liability policies exclude alcohol-related claims, so a business that manufactures, sells or serves alcohol needs liquor liability as separate coverage rather than relying on a general liability policy. ¹¹Company-reported. FAQ answer distinguishing liquor liability from general liability.

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. ⁶Company-reported. Liquor liability coverage table; default sublimits may be modified by endorsement.

The liquor liability page does not publish specific limit, retention or deductible amounts. ¹¹Not publicly disclosed. Reviewed liquor liability page as of 2026-09-23; figures are quote-specific and not shown on the public product page.

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. ^6,7Not found in reviewed sources. Liquor liability and clubs-and-lodges pages as read on 2026-09-23.

Not described in the reviewed sources.

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. ^6,7Company-reported. Liquor liability page call to action and clubs-and-lodges underwriting FAQ.

Coverdash directs buyers to request a liquor liability quote online, and pairs the product with a dedicated advisor for the quote and each renewal, according to the product page. ¹¹Company-reported. Product-page "Why work with Coverdash" section and quote call to action; response time and advisor availability are company-described and not tested.