Liquor Liability in Pennsylvania

Pennsylvania Liquor Code § 497 limits licensee liability to third parties for off-premises damages unless the customer was visibly intoxicated when served. The state’s RAMP program is generally voluntary, but certification can be required after certain citations or for particular permits and agreements.

What Is Liquor Liability Insurance?

Liquor liability can cover claims tied to your business selling, serving or furnishing alcohol. If you run a bar, restaurant or event where you provide drinks, check how the quote treats injuries, property damage and occasional service. Read the national Liquor liability guide.

What to Watch for With Liquor Liability in Pennsylvania

Visible Intoxication Is the Statutory Trigger
Section 497 addresses third-party off-premises damages and requires that the customer have been visibly intoxicated when the licensee or its worker furnished alcohol. Ask the broker to explain the covered claim scenarios and how defense expenses affect limits. ¹
RAMP Can Become a License Condition
Pennsylvania describes RAMP as voluntary generally, but certification can be required for specified administrative citations, conditional license agreements, and certain permits. Ask whether any current citation or permit makes your business subject to a RAMP requirement and keep certification records. ²
State Guidance Focuses on Observable Signs
PLCB says staff are not expected to determine a patron’s blood alcohol concentration; they should use observable behavior and appearance and stop service when visible intoxication is apparent. Ask whether your written service and incident procedures match this standard. ³

Which Liquor Liability Providers Have Pennsylvania License Records?

These providers publish a national listing for Liquor liability; the license records below name the licensed entities and roles. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm the product is available in Pennsylvania. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

Corgi
Insurance producer · checked 2026-09-28
Corgi Insurance Services, Inc.
Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability. ¹³
Corgi markets liquor liability for eligible veterans’ and fraternal lodges with licensed on-premises bars.

Who Regulates Insurance in Pennsylvania?

Pennsylvania Insurance Department

The Pennsylvania Insurance Department publishes state tools to check licensed producers, agencies, and insurers, and its Consumer Services Online portal accepts complaints about insurers, agents, brokers, and public adjusters. The department also oversees Pennsylvania insurance business and consumer services. ^4,^5,⁶

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint

Surplus-Lines Tax and Stamping Office in Pennsylvania

Reported tax rate. 3% of gross premium (2% for eligible surplus-lines risk retention groups) ^7,^8,^9,¹⁰

Pennsylvania charges 3% of gross surplus-lines premiums (2% for an eligible surplus-lines risk-retention group); the tax is in addition to premium, is borne by the insured, and is collected by the producer. For multistate risks, the 2025 Revenue instructions say all gross premiums are taxable when Pennsylvania is the home state, while Insurance Company Law §1621(d) says tax is levied only on premium reasonably ascribable to Pennsylvania risk; confirm allocation with your producer or the state. Surplus-lines coverage is excluded from the guaranty association, and qualifying large risks or exempt commercial purchasers may use distinct no-search routes, with the ECP route requiring disclosure and written request.

Questions to Ask Before You Buy Liquor Liability in Pennsylvania

Does our policy cover off-premises injury claims alleging visible intoxication under § 497?
Does a citation, conditional license agreement, or permit require RAMP certification at our premises?
How do we preserve staff observations and incident records after service is refused?

Liquor Liability Insurance in Pennsylvania: Frequently Asked Questions

When can a Pennsylvania licensee be liable for an off-premises alcohol injury?

Section 497 says a licensee is not liable to third parties for off-premises damages unless the customer was visibly intoxicated when the licensee or its agent served them. ¹

Is RAMP certification mandatory for every Pennsylvania bar?

No. PLCB describes RAMP as generally voluntary, though certification may be required for specified citations, conditional license agreements, or permits. ²

Sources for Liquor Liability Insurance in Pennsylvania

1
Liquor Code, Act of April 12, 1951. Pennsylvania General Assembly; Section 497, Liability of Licensees. Accessed 2026-09-29.
2
Apply for RAMP Certification. Pennsylvania Liquor Control Board; Circumstances where certification may be required. Accessed 2026-09-29.
3
Signs of Intoxication. Pennsylvania Liquor Control Board; Visible intoxication standard and refusal of service. Accessed 2026-09-29.
4
pennsylvania insurance regulator. State insurance regulator; PID official agency page and the search/consumer-help service map. Accessed 2026-09-28.
5
Pennsylvania Insurance Industry Search Tool Library. State insurance regulator; PID identifies consumer Sircon and detailed individual, business-entity, and company search tools. Accessed 2026-09-28.
6
File a Complaint with Your Insurance Company, Agent, Broker, or Public Adjuster. State insurance regulator; PID directs insurance complaints and questions to its Consumer Services Online portal. Accessed 2026-09-28.
7
RCT-123 Gross Premiums Tax - Surplus Lines Agents (2025). Pennsylvania Department of Revenue; Instructions p. 4, imposition/base/rate: 3% on gross premiums; insured bears tax, producer collects/remits; RRG exception 2% per statute. Accessed 2026-09-28.
8
Insurance Company Law, §1621. Pennsylvania General Assembly; Subsection (d): multi-state tax is levied only on premium reasonably ascribable to Pennsylvania risk. This differs from the 2025 RCT-123 instructions, which state all gross premiums taxable if PA is home state; see source tax. Accessed 2026-09-28.
9
Insurance Department Act, surplus-lines notice provision. Pennsylvania General Assembly; Policy legend: insurer is not licensed and surplus-lines insurance is NOT covered by Pennsylvania Insurance Guaranty Association. Accessed 2026-09-28.
10
Pennsylvania Insurance Company Law §§1604 and 1610 (40 P.S. §§991.1604, 991.1610). Pennsylvania General Assembly; Act 28 of 2011 §1610(a), (a.1): large-risk criteria and ECP disclosure followed by written request exempt from diligent-search requirements. Accessed 2026-09-28.
11
Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
12
Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
13
Insurance Producer Licenses. Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown. Accessed 2026-09-28.
14
About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
15
Licenses. ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885. Accessed 2026-09-28.
16
Insurance Licenses by State. TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number. Accessed 2026-09-28.
17
Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict. Accessed 2026-09-15.

Liquor Liability in Pennsylvania

What Is Liquor Liability Insurance?

What to Watch for With Liquor Liability in Pennsylvania

Visible Intoxication Is the Statutory Trigger

RAMP Can Become a License Condition

State Guidance Focuses on Observable Signs