General and liquor liability for a bar after a lapse.
A bar that reported a lapse in insurance obtained a binder for general and liquor liability. The binder included assault-and-battery exclusions on both lines, so the placement required attention to the actual coverage terms.
By Hedge Specialty. Published . Records reviewed .
The account.
A retail agent submitted a New York bar that reported a lapse in insurance. The file needed a current review of the business and its liquor exposure; an earlier policy could not simply be assumed to continue.
Quote options and the binder.
The submission produced general liability and liquor liability quote options. The underwriter confirmed that the coverages could be considered together or separately. The resulting binder included both lines.
The binder included assault-and-battery exclusions for general liability and liquor liability, along with other terms and conditions. It also required a favorable inspection and compliance with resulting recommendations. Having both lines in the package did not address every exposure associated with operating a bar.
What another retail agent can use.
Compare the actual forms and exclusions alongside premium and limits. Check assault-and-battery treatment on each liability line and identify any inspection requirements that continue after binding.
The confirmed result.
A confirmed general and liquor liability binder. The reviewed records do not establish delivery of an issued policy, completion of every post-bind condition, or coverage for the earlier uninsured period.
How we checked this account
Records reviewed 2026-09-09 by Hedge Specialty.
Hedge reviewed the broker intake, underwriter quote correspondence, original binder document, binder email and current policy record. The published outcome is limited to what those records establish.
Anonymized summaries of real accounts, written by Hedge Specialty from its own placement records. Names, financial details and identifying documents are withheld. These selected outcomes do not establish typical results or eligibility for another account. Read our research methodology.
Prepare the file and confirm the fit.
Hedge serves licensed retail insurance professionals. Current market access and terms require review of the specific account.