Strategies

Fourth of July celebrations involve grilling, fireworks and outdoor gatherings. But behind the red, white and blue is a spike in risk.

A carrier added the endorsement to a commercial general liability form and says that the endorsement adds liquor liability to the policy, as it eliminates the liquor liability exclusion.

Does a host liquor liability coverage amendment in a business owners policy respond when the insured pays for a hosted bar at regular events?

The carrier cancelled coverage based on inspection results from a third-party inspector, but claims the inspection is the inspector’s intellectual property and won’t release a copy.