Corgi Liquor Liability Insurance

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. ¹Company-reportedLiquor 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. ¹Not found in reviewed sourcesLiquor liability page as read on 2026-09-23; form-number comparison against the CGL product page.

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-reportedLiquor liability product page and clubs-and-lodges page, both current as of 2026-09-23. Eligibility for a specific lodge is subject to 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. ¹Company-reportedLiquor liability coverage table, scenario notes and policy notes; illustrative summary subject to the issued declarations and endorsements.

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. ¹Company-reportedLiquor liability coverage table; default sublimits may be modified by endorsement.

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. ^1,2Not found in reviewed sourcesLiquor liability and clubs-and-lodges pages as read on 2026-09-23.

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-reportedLiquor liability page call to action and clubs-and-lodges underwriting FAQ.