Serve Confidently. We’ve Got You Covered.

Coverage differs by policy. Defense costs may be paid inside the liability limit—eroding your coverage—or outside the limit. We help you understand your choices.

Typical Coverage Requirements
Many contracts request:

• $1M per occurrence / $2M aggregate limits

• Endorsements such as Additional Insured (AI), Primary & Noncontributory (P&NC), and Waiver of Subrogation

Requirements can vary depending on the agreement, and IDR Insurance helps ensure your coverage meets contract specifications.

Typical Coverage Requirements
Many contracts request:

• $1M per occurrence / $2M aggregate limits

• Endorsements such as Additional Insured (AI), Primary & Noncontributory (P&NC), and Waiver of Subrogation

Requirements can vary depending on the agreement, and IDR Insurance helps ensure your coverage meets contract specifications.

Providing free drinks or allowing BYOB can still expose your business to liability. One-time events may be covered by Host Liquor, but recurring alcohol service typically requires full Liquor Liability coverage.

Liquor Liability underwriting considers alcohol sales, operating hours, entertainment, security and staff training, claims history, state regulations, and requested limits including A&B coverage.

Typical underwriting requirements include a valid liquor license, incident/ejection logs, alcohol service policies, staff training documentation, security plans, and compliance with venue or landlord insurance requirements.

Liquor Liability generally excludes intentional acts, knowingly serving minors, employee injuries (Workers’ Comp), auto-related incidents, fines/penalties, and claims outside policy terms.

Once underwriting is approved, COIs can often be issued the same day. Submit the venue’s requested endorsements (AI, P&NC, Waiver of Subrogation), and IDR Insurance will provide the certificate promptly.