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1 1 Policy options
2 2 Additional insureds
3 3 Payment information
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General & Liquor Liability

Policy effective dates

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This policy will go into force on the start date and stay in force for 12 months.

Payments for this policy will stay in effect until cancelled.

Please select from the options below. Some may affect the final price.

Your application will be submitted for underwriting.
Your application will be submitted for underwriting.

Due to the natural disaster in your area, some options are disabled from this group. You may purchase this option when the suspension has lifted.

Your application will be submitted for underwriting.
+ $100.00+ $8.33
+ $280.00+ $23.33
Your application will be submitted for underwriting.

Due to the natural disaster in your area, some options are disabled from this group. You may purchase this option when the suspension has lifted.

Your application will be submitted for underwriting.
Your application will be submitted for underwriting.

Due to the natural disaster in your area, some options are disabled from this group. You may purchase this option when the suspension has lifted.

Your application will be submitted for underwriting.
Your application will be submitted for underwriting.

Due to the natural disaster in your area, some options are disabled from this group. You may purchase this option when the suspension has lifted.

Your application will be submitted for underwriting.
Your application will be submitted for underwriting.

Due to the natural disaster in your area, some options are disabled from this group. You may purchase this option when the suspension has lifted.

Your application will be submitted for underwriting.
+ $106.00+ $8.83
+ $154.00+ $12.83
+ $185.00+ $15.42
+ $127.00+ $10.58
+ $180.00+ $15.00
+ $211.00+ $17.58
Your application will be submitted for underwriting.

Due to the natural disaster in your area, some options are disabled from this group. You may purchase this option when the suspension has lifted.

Your application will be submitted for underwriting.
+ $54.00+ $4.50
+ $339.00+ $28.25
Your application will be submitted for underwriting.

Due to the natural disaster in your area, some options are disabled from this group. You may purchase this option when the suspension has lifted.

Limits: (Per Item / Per Policy Year)

Coverage for tangible business personal property such as equipment, supplies, or inventory. Does not cover structures, buildings, or any item that is permanently installed to vehicles.  The limit for Trailers includes the trailer as well as installed equipment. $250 deductible applies per occurrence.

Your application will be submitted for underwriting.
+ $150.00+ $12.50
Your application will be submitted for underwriting.

Due to the natural disaster in your area, some options are disabled from this group. You may purchase this option when the suspension has lifted.

This endorsement extends your general liability coverage to your trailer while it is parked for business use and separated from your vehicle.

Your application will be submitted for underwriting.
+ $125.00+ $10.42
Your application will be submitted for underwriting.

Due to the natural disaster in your area, some options are disabled from this group. You may purchase this option when the suspension has lifted.

Limits: ($100,000 Each Claim / $200,000 Aggregate)

Note: Add a Professional Liability endorsement if you teach classes or do demonstrations. $1,000 deductible applies to this coverage.

Your application will be submitted for underwriting.
+ $500.00+ $41.67
+ $1,000.00+ $83.33
Your application will be submitted for underwriting.

Due to the natural disaster in your area, some options are disabled from this group. You may purchase this option when the suspension has lifted.

Excess liability is an additional policy that gives you an extra layer of protection above your general liability limit. If needed, this policy will help you meet your contractual liability requirements with a venue or vendor. Each additional $1,000,000 excess liability limit will cost $500. If you need over a $2,000,000 excess limit please contact us.

Nearly 1 in 4 businesses have experienced a cybersecurity event. If you collect and/or store customer and financial data, we strongly advise adding Cyber Liability Coverage for greater protection and peace of mind.

Your application will be submitted for underwriting.
+ $99.00+ $8.25
Your application will be submitted for underwriting.

Due to the natural disaster in your area, some options are disabled from this group. You may purchase this option when the suspension has lifted.

Account setup

Policy holder information

Business information

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Mailing address

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Name can be between 2 and 70 characters long and can contain letters, hyphens, commas, dots, apostrophes and spaces
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Name can be between 2 and 70 characters long and can contain letters, hyphens, commas, dots, apostrophes and spaces
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PLEASE NOTE: WE CANNOT ACCEPT A PO BOX AS A PHYSICAL ADDRESS. PLEASE PROVIDE A PHYSICAL ADDRESS FOR YOUR BUSINESS IN THE SECTION BELOW. THANKS FOR UNDERSTANDING!
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Quote only for this state.

Due to the current natural disaster in your area, we are unable to provide all Inland Marine options associated with this program at this time. All Inland Marine options will be available soon.

Note: If you are trying to add a policy from your customer dashboard and your current policy is expired, please change your State selection above, and then change it back to your correct state. This will allow you to continue to step two. We apologize for any inconvenience this has caused. (i.e., North Carolina > Texas > North Carolina)

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Invalid ZIP code

Physical Address

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WE CANNOT ACCEPT A PO BOX AS A PHYSICAL ADDRESS. KINDLY ENTER A PHYSICAL ADDRESS FOR YOUR BUSINESS.
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This field is required

Quote only for this state.

Due to the current natural disaster in your area, we are unable to provide all Inland Marine options associated with this program at this time. All Inland Marine options will be available soon.

Note: If you are trying to add a policy from your customer dashboard and your current policy is expired, please change your State selection above, and then change it back to your correct state. This will allow you to continue to step two. We apologize for any inconvenience this has caused. (i.e., North Carolina > Texas > North Carolina)

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Invalid physical ZIP code

General & Liquor Liability Questions

Select an option
Based on your answer, you no longer qualify for our Liquor Liability Program. If you would like to purchase only our annual general liability policy, click here.
Based on your answer, you no longer qualify for our Liquor Liability Program. If you would like to purchase only our annual general liability policy, click here.
Select an option
Based on your answer, you no longer qualify for our Liquor Liability Program. If you would like to purchase only our annual general liability policy, click here.
Based on your answer, you no longer qualify for our Liquor Liability Program. If you would like to purchase only our annual general liability policy, click here.
Select an option
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Select an option
Select an option
    This can be found by going to "My Policies" on your customer dashboard and then "Add Endorsemement".
  • Gross sales up to $50k for handmade beauty products = $135
  • Gross sales above $50k for handmade beauty products = $210
Based on your answer, you no longer qualify for our Liquor Liability Program.
Based on your answer, you no longer qualify for our Liquor Liability Program.
Select an option
  • Are compliant with all County, State, and Federal Food and Safety Regulations.
  • You or any principal with a controlling interest in the business HAVE NOT filed for bankruptcy (either liquidation or reorganization) within the last 12 months.
  • Your product does not promote, advertise, or claim that your it will assist in cleansing, detoxing, weight loss, building muscles, replacing meals, or sexual enhancement.
  • You do not provide any services such as health coaching or nutritional consulting.
  • Your product does not contain any nutraceuticals, drugs, or medicines or vitamins, & supplements (other than incidental, naturally occurring or food based such as protein powders).
  • You are not providing or using subcontracted bartending services.
  • Do not own any commercial farming operations (more than 30 acres).
  • Do not own/operate a Grocery Store or Supermarket.
  • You are not a Restaurant, Café, Bakery, Tavern, Bar, Nightclub, Dance Club, Social Club or Lounge.
  • Do not import Seafood, Meat or Poultry.
  • Your sales on imports for Perishables (produce or dairy) are less than 20% of total sales.
Due to your answer, you no longer qualify for this policy.
Due to your answer, you no longer qualify for this policy.
Select an option
  • Require all independent contractors to carry liquor coverage equal to or greater than your own.
  • Require all servers to go through proper alcohol server training and are not permitted to consume alcohol during their shift.
  • Have procedures in place to regulate the sales of alcohol to minors or those under the influence.
  • Do not have operations going past 2:00 AM.
  • Do not own, lease or rent a location where events are promoted or provide event promotion.
  • Do not work with or use event promoters or have events where you are promoting or sponsoring any live entertainment.
Due to your answer, you no longer qualify for this policy.
Due to your answer, you no longer qualify for this policy.
Select an option
  • Happy Hour
  • Multiple Drink Incentives
  • All You Can Drink Specials
  • Drinking Games
  • Complimentary Drinks
  • BYOB
  • Bottle Service
  • Self-Service
Based on your answer, you no longer qualify for our Liquor Liability Program. If you would like to purchase only our annual general liability policy, click here.
Based on your answer, you no longer qualify for our Liquor Liability Program. If you would like to purchase only our annual general liability policy, click here.

CLAIMS HISTORY

Select an option
  • You have not had any liability or business property claims resulting in losses over $1,000 within the last 5 years and you are not currently aware of any incidents that may result in a claim.
  • You or your company have never been involved in any legal dispute relating to the operations of your company.
  • You or your company have not been subject to local, state, or federal investigation relating to the business you are applying for.
  • You have not had in the past 5 years, more than one liquor liability and/or assault and battery claim or more than two violations or citations for sales or service of alcohol.
  • Within the past 5 years, your liquor liability coverage has not been canceled for reasons other than the prior carrier no longer writing any liquor liability coverage.
Due to your answer, you no longer qualify for this policy.
Due to your answer, you no longer qualify for this policy.

TERMS & CONDITIONS

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Excluded products and operations
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Read Terms & Conditions
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Read Warranties
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Read company email, phone and electronic delivery statement
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Claims Made

Additional insureds

Do you need to add or list someone on your policy as an additional insured/certificate holder?

Commonly added additional insureds include:

  • Commercial Kitchens
  • Farmers Markets
  • Landlords
  • Event Directors
  • State & Local Entities

When you add a person†, event, or organization to your policy as an additional insured, they receive protection if they are named in a suit due to a covered business-related loss/claim because of your actions or operations.

†Additional insured status cannot be granted to a friend or co-worker as an extension of your policy. Each individual must purchase their own policy to obtain liability coverage.

†A written contract, such as a lease, booth rental agreement, or employment contract is required to add another party as additional insured.

There is no additional cost to add additional insureds to your policy.

Do you need to add an Additional Insured? If so, add them below. If not, click Continue to Step 3

GL + Liquor Annual Policy - Additional Insured #{[{ $index + 1}]}(+$0.00)

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Please enter valid email address
Email should not be the same as the policy's holder email
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Please only use the additional insured email and do NOT use the policy’s holder email

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Invalid ZIP code
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Initial payment: {[{ firstPayment|currency }]}
{[{ monthlyPayment.firstPaymentType }]}

We'll automatically charge your card {[{ monthlyPaymentAmount|currency }]}/mo for the next {[{ checkoutData.configuration.monthlyPaymentCount }]} months.

Switch to annual

Credit card information

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Please enter your credit card and bank information. Your credit card will be used for the down payment and your bank information will be used for the Capital Premium finance agreement monthly draft. If you have questions about alternative payment methods for the capital monthly draft please contact Capital Premium.
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This feature will create a customer payment profile for your billing information to allow easy checkout during future policy coverage extensions or updates. Credit card information is not stored within our system. All billing information is processed through authorize.net

Your credit card expires before auto renew date ({[{ policyEndDate.format(dateViewFormat) }]}). In order to proceed, please use other credit card.

Your policy is set up to automatically renew on {[{ policyEndDate.format(dateViewFormat) }]}.

More Details

EZ-Renew

With this beneficial feature your insurance coverage will be continuous without you worrying about having a lapse in your insurance policy.

You will receive a Conditional Renewal Notice prior to the renewal date of your policy. If you wish to cancel your policy, you must notify us in writing prior to the policy renewal date. You can cancel EZ-Renew at any time from your dashboard. Your policy will be renewed with the same coverage's, additional insureds and endorsements as your current policy. If you wish to change any coverages, you can login to your on-line account and make changes to your policy at any time.

Please note that we do NOT store credit/debit card numbers, nor do we share customer details with any third parties. Recurring billing is managed via Authorize.net.

{[{ couponResult.text }]}
Discount applies to Additional Insureds only!
Coupon is applying. Please wait....


Order summary

To complete your order, please review your information and then click purchase below.

Policy Holder Edit

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Physical Address is the Same as the Mailing Address
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Your policy is set up to automatically renew on . With the EZ-Renew feature your insurance coverage will be continuous without you worrying about having a lapse in your insurance policy coverage.

GL + Liquor Annual Policy

Monthly Payment Breakdown

Policy start date: - Policy end date: Edit

If changes are needed, please reach out to your agent.
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Policy Holder Business Information

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Business Type
name
DBA
Mobile number
Website
Business Activities
Business Activities Description
Product Description

General & Liquor Liability Questions

Edit
Will you ever do business in any of the following states: Alabama, Alaska, District of Columbia, Hawaii, Iowa, Kentucky, New Hampshire, Pennsylvania, Vermont, West Virginia?
Does your Business, LLC, Corporation, or Partnership/Joint Venture offer any non-food related services or products (other than incidental advertising items for your food business such as shirts or cups with your logo)?
Are you or your company controlled by, owned by, or commonly owned, affiliated, or associated with any other organization or business?
Please provide details:
Are any of your products topical such as soaps, lotions, cosmetics, bath products, etc.?
I understand that I must add the Handmade Beauty endorsement after I purchase this policy in order to receive coverage for these products.
    This can be found by going to "My Policies" on your customer dashboard and then "Add Endorsemement".
  • Gross sales up to $50k for handmade beauty products = $135
  • Gross sales above $50k for handmade beauty products = $210
By selecting yes you agree that you:
  • Are compliant with all County, State, and Federal Food and Safety Regulations.
  • You or any principal with a controlling interest in the business HAVE NOT filed for bankruptcy (either liquidation or reorganization) within the last 12 months.
  • Your product does not promote, advertise, or claim that your it will assist in cleansing, detoxing, weight loss, building muscles, replacing meals, or sexual enhancement.
  • You do not provide any services such as health coaching or nutritional consulting.
  • Your product does not contain any nutraceuticals, drugs, or medicines or vitamins, & supplements (other than incidental, naturally occurring or food based such as protein powders).
  • You are not providing or using subcontracted bartending services.
  • Do not own any commercial farming operations (more than 30 acres).
  • Do not own/operate a Grocery Store or Supermarket.
  • You are not a Restaurant, Café, Bakery, Tavern, Bar, Nightclub, Dance Club, Social Club or Lounge.
  • Do not import Seafood, Meat or Poultry.
  • Your sales on imports for Perishables (produce or dairy) are less than 20% of total sales.
Please confirm that the following are ALL applicable:
  • Require all independent contractors to carry liquor coverage equal to or greater than your own.
  • Require all servers to go through proper alcohol server training and are not permitted to consume alcohol during their shift.
  • Have procedures in place to regulate the sales of alcohol to minors or those under the influence.
  • Do not have operations going past 2:00 AM.
  • Do not own, lease or rent a location where events are promoted or provide event promotion.
  • Do not work with or use event promoters or have events where you are promoting or sponsoring any live entertainment.
Do you ever offer the following?
  • Happy Hour
  • Multiple Drink Incentives
  • All You Can Drink Specials
  • Drinking Games
  • Complimentary Drinks
  • BYOB
  • Bottle Service
  • Self-Service

CLAIMS HISTORY

Edit
By selecting yes, you agree that:
  • You have not had any liability or business property claims resulting in losses over $1,000 within the last 5 years and you are not currently aware of any incidents that may result in a claim.
  • You or your company have never been involved in any legal dispute relating to the operations of your company.
  • You or your company have not been subject to local, state, or federal investigation relating to the business you are applying for.
  • You have not had in the past 5 years, more than one liquor liability and/or assault and battery claim or more than two violations or citations for sales or service of alcohol.
  • Within the past 5 years, your liquor liability coverage has not been canceled for reasons other than the prior carrier no longer writing any liquor liability coverage.

TERMS & CONDITIONS

Edit
By checking this box, you certify that you accept the excluded products and operations of this policy
Excluded products and operations
By checking this box I accept the Terms & Conditions
Read Terms & Conditions
By checking this box, you certify that you accept the Warranties of this policy
Read Warranties
I agree to the following email, phone and electronic delivery statement
Read company email, phone and electronic delivery statement
By checking this box, I acknowledge that this is a claims made policy
Claims Made

Additional Insureds

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Unlimited Additional Insureds
Additional Insureds
{[{ ai.name }]}

Employees

Edit
{[{ employee.firstName }]} {[{ employee.lastName }]} + {[{ optionalCoverage.employeePrice|currency }]}

Independent Contractors

Edit
{[{ contractor.firstName }]} {[{ contractor.lastName }]} + {[{ optionalCoverage.independentContractorPrice|currency }]}

Your policy will be issued and your documents available immediately after clicking the "Purchase Policy" button below. Your policy application may be subject to review by our underwriting team to verify that the business operation, product, and/or service meet the eligibility guidelines established for the program. In the event we need further clarification to determine eligibility, we will contact you via email at the email address used to establish your account. If an account is found to be ineligible during the underwriting period, the policy will be subject to immediate cancellation and a full refund will be issued. After the underwriting period, the premium is 100% earned and no refunds will be given.

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Quote only for this state.

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You have selected an annual payment plan. This is how much you will pay annually.
GL + Liquor Annual Policy

Policy Endorsements

Additional insureds

Coverage for Employees

Coverage for Independent Contractors

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monthly
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DUE TODAY: (downpayment)

Initial payment: {[{ firstPayment|currency }]}
{[{ monthlyPayment.firstPaymentType }]}

We'll automatically charge your card {[{ monthlyPaymentAmount|currency }]}/mo for the next 10 months.

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