Corgi vs 
Harper: How Do They Compare for Liquor Liability Insurance?
Harper sizes liquor coverage to the alcohol license type, from limited beer-and-wine up to high-limit nightclub cover; Corgi limits its program to eligible veterans' and fraternal lodges with licensed on-premises bars.
Corgi includes general liability in startup packages; Harper shops multiple insurers for hard-to-place or previously declined businesses. 1,2,3
What Are the Key Differences Between Corgi and Harper Liquor Liability Insurance?
Lodge Eligibility or Restaurant and Nightclub Markets
Corgi limits this liquor program to eligible veterans’ and fraternal lodges with licensed on-premises bars. Harper groups its applications by full-service restaurants, casual restaurants, quick-service concepts, franchises, and nightclubs, which it labels its highest-risk segment. Harper also sends one application to every carrier it says can write the account. 1 2 3
Choose Corgi if your licensed bar is part of an eligible lodge, and Harper if you run a restaurant or nightclub.
Sublimits and Coverage Packaging
Corgi’s occurrence form is limited to the declared premises, excludes off-premises events and defaults to $25,000 per common cause/$50,000 aggregate for assault and battery, with defense inside those limits. Harper says it sizes coverage to the alcohol license, from beer-and-wine risks to high-limit nightclub cover with assault-and-battery options, often packaged with general liability and property. Harper publishes no dollar limits. 1 3
How You Apply
Corgi routes applicants to an advisor and reviews license, receipts, hours, entertainment, staff practices, and loss history. Harper starts with a specialist conversation and uses a restaurant/bar or nightclub application supplement. 1 2 3
What Should You Confirm in Corgi and Harper Liquor Liability Insurance Quotes?
- Confirm lodge eligibility before requesting Corgi’s form; Harper’s list centers on restaurants and nightclubs. 1 3
- Compare Corgi’s $25,000/$50,000 sublimits with Harper’s quoted assault-and-battery limits. 1 3
- Ask Harper which carriers quoted and whether liquor is bundled with general liability and property. 3
- Ask both which insurer issues the policy. 1 3
Corgi vs Harper Liquor Liability Insurance Compared
Corgi vs Harper: Liquor Liability Insurance: documented features by provider
| Criteria | Corgi Liquor Liability Insurance for Clubs & Lodges | Harper Liquor Liability Insurance |
|---|---|---|
| Who It’s For | 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. 1,2Company-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. 3Company-reported. Segment breakdown on the liquor liability page; each segment links to a different Harper application. |
| How to Apply | 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. 1,2Company-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. 3Company-reported. Application flow described on the liquor liability page. |
| Coverage Features | 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. 1Company-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. 3Company-reported. Segment-specific coverage lists on the product page; actual policy wording and package composition depend on the insurer and underwriting. |
