Liquor Liability Insurance Explained

Liquor liability or host liquor liability? Turns out operating hours and how you make your money actually decide which one applies to you. In this episode of Covered, we get into the difference between the two, why general liability policies eventually get pushed to their limit (which is exactly why cyber and EPLI became their own separate coverages), and what happens when your business is considered higher risk and ends up in the surplus market. Spoiler: that's exactly when having a broker in your corner who actually checks a carrier's financial rating matters most.