Corgi vs Harper Liquor Liability Insurance

Not described in the reviewed sources.

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. ¹⁰Company-reported. Product-page description of the 'Harper Concierge' process 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. 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 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. ¹⁰Not publicly disclosed. Liquor liability product page as read on 2026-09-23.

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.

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. ¹⁰Company-reported. Segment breakdown on the liquor liability page; each segment links to a different Harper application.

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.

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. ¹⁰Company-reported. Segment-specific coverage lists on the product page; actual policy wording and package composition depend on the insurer and underwriting.

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 reviewed page describes 'high-limit' liquor liability for nightclubs and bars but does not publish specific limit or retention amounts for any segment. ¹⁰Not publicly disclosed. Liquor liability product page as read on 2026-09-23.

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.

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. ¹⁰Company-reported. Company-reported statistic on the liquor liability page; not independently verified and not broken out by line.

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.

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. ¹⁰Company-reported. Application flow described on the liquor liability page.