Alliance Risk vs Corgi: Liquor Liability Insurance

Alliance Risk places liquor coverage for bars, restaurants and lounges nationwide, including hard-to-place accounts; Corgi limits its program to eligible veterans’ and fraternal lodges with licensed on-premises bars.

Embarcadero Risk brings together source-based comparisons for businesses moving people and goods.Research updated 2026-09-29

Coverage topics

Alliance Risk

  • role: Alliance Risk says it places liquor liability coverage for bars, nightclubs, taverns, restaurants and lounges in all 50 states, including accounts it says most standard carriers decline. Dedicated liquor liability product page, opening placement description.company-reportedSource ↗
  • role: Alliance Risk describes itself as an independent brokerage that specializes in complex placements for high-risk hospitality businesses, working with specialty carriers and surplus-lines markets it says most retail brokerages don't access. Dedicated liquor liability product page.company-reportedSource ↗
  • eligibility: Alliance Risk says it places liquor liability coverage in all 50 states, including jurisdictions with the strictest dram shop statutes such as New York, New Jersey and Illinois, where it says claims frequency and severity are highest. Dedicated liquor liability product page, dram shop section.company-reportedSource ↗
  • services: Alliance Risk says it accesses surplus-lines markets and specialty hospitality carriers to keep placing liquor liability coverage in hard-market conditions, walks clients through the policy, and helps address the assault-and-battery coverage gap common to this line. Dedicated liquor liability product page, closing sections on market conditions and policy evaluation.company-reportedSource ↗
  • application: Alliance Risk's liquor liability page directs prospective clients to book a customized risk assessment with one of its insurance risk advisors or request a quote online. Dedicated liquor liability product page calls to action.company-reportedSource ↗
  • coverage: Alliance Risk's page explains that liquor liability is sold separately from general liability because standard CGL policies exclude alcohol-related claims for businesses that sell or serve alcohol, and that liquor liability policies commonly exclude assault-and-battery claims unless a separate endorsement is added. Dedicated liquor liability product page, coverage and exclusions sections; the issued policy controls actual terms.company-reportedSource ↗
  • insurer: The liquor liability page describes working with "specialty carriers and surplus lines markets" without naming any specific insurer that Alliance Risk places this coverage with. Checked the full dedicated product page as read on 2026-09-23; no carrier is identified by name for this line.not-disclosedSource ↗

Corgi

  • eligibility: Corgi markets liquor liability as a program limited to eligible veterans' and fraternal lodges operating licensed on-premises bars, not general liquor liability for bars, restaurants or other venues. Liquor liability product page and clubs-and-lodges page, both current as of 2026-09-23. Eligibility for a specific lodge is subject to underwriting.company-reportedSource ↗Source ↗
  • insurer: Corgi says liquor liability coverage is issued on a non-admitted surplus lines basis and is not protected by a state insurance guaranty fund. The page does not name the specific issuing insurer; that appears in the issued policy. Liquor liability page's Surplus Lines Placement section.company-reportedSource ↗
  • insurer: The liquor liability form is numbered CES-2-LIQ-001, a different prefix from the CORG-numbered forms Corgi uses for its startup lines (for example CORG-CGL-0100). The reviewed pages do not explain what "CES" refers to or confirm whether this program shares an underwriting entity with Corgi's other products. Liquor liability page as read on 2026-09-23; form-number comparison against the CGL product page.not-foundSource ↗
  • coverage: The occurrence-based program form may respond to third-party bodily injury or property damage claims tied to selling, serving or furnishing alcohol, including allegations of intoxication and liability under an applicable dram-shop or liquor-control law, but it applies only to the declared premises and excludes off-premises events, cannabis and THC beverages, and knowing service to an underage patron by an insured who knew, unless separately endorsed. Liquor liability coverage table, scenario notes and policy notes; illustrative summary subject to the issued declarations and endorsements.company-reportedSource ↗
  • limits: Corgi's liquor liability form defaults to a $25,000 assault-and-battery sublimit per common cause and $50,000 in the annual aggregate, with defense costs inside the limits; the per-occurrence and policy-aggregate liquor liability limits themselves are shown only as "see declarations" on the page, not published. Liquor liability coverage table; default sublimits may be modified by endorsement.company-reportedSource ↗
  • application: Corgi routes liquor liability prospects to "Talk to an advisor" rather than its instant-quote flow used for CGL, Cyber and other startup lines, and says underwriting reviews the liquor license, alcohol receipts, hours of service, entertainment, staff practices and loss history. Liquor liability page call to action and clubs-and-lodges underwriting FAQ.company-reportedSource ↗Source ↗
  • services: The reviewed liquor liability pages do not describe standalone risk-control or staff-training services beyond referencing loss history and staff practices as underwriting factors. Liquor liability and clubs-and-lodges pages as read on 2026-09-23.not-foundSource ↗Source ↗

What Are the Key Differences Between Alliance Risk and Corgi Liquor Liability Insurance?

Hospitality Venues or Eligible Lodges

Alliance Risk lists bars, nightclubs, taverns, restaurants, and lounges in all 50 states, including accounts standard carriers decline. Corgi limits its program to eligible veterans’ and fraternal lodges with licensed on-premises bars; it is not a general option for restaurants or bars. That eligibility rule is decisive for most venue buyers. [1] [3] [2]

Choose Alliance Risk for a hospitality venue, and Corgi only if your lodge meets its eligibility rules.

Assault-and-Battery Terms

Alliance Risk says assault-and-battery is commonly excluded unless endorsed and says it helps address that gap. Corgi’s occurrence form defaults to a $25,000 sublimit per common cause and $50,000 aggregate, with defense costs inside the limits. A lodge buyer should compare those caps with the amount required by its lease or contracts. [1] [3]

Quote Process

Alliance Risk offers an online quote request or advisor assessment and says it places coverage in strict dram-shop states such as New York, New Jersey, and Illinois. Corgi sends lodge prospects to an advisor, and underwriting reviews license, alcohol receipts, hours, entertainment, staff practices, and loss history. [1] [3] [2]

What Should You Confirm in Alliance Risk and Corgi Liquor Liability Insurance Quotes?

  • Confirm your lodge meets Corgi’s eligibility rules before applying. [3]
  • Ask both providers which insurer will issue the policy. [1] [3]
  • Compare assault-and-battery limits, including Corgi’s $25,000/$50,000 defaults and any Alliance Risk endorsement. [3] [1]
  • Ask Corgi whether off-premises events require an endorsement. [3]

Alliance Risk places liquor liability for bars, nightclubs, and restaurants in all 50 states, including hard-to-place accounts; Corgi’s form is restricted to eligible veterans’ and fraternal lodges with licensed bars and has a default $25,000/$50,000 assault-and-battery sublimit.

Source material

  1. 01
    Liquor Liability Insurance | Coverage, Costs & Dram Shop Laws

    Alliance Risk · Liquor Liability Insurance: What It Covers, Excludes, and Costs; Who needs liquor liability insurance?; Liquor liability vs. host liquor liability; How dram shop laws affect your liquor liability exposure; How to evaluate a liquor liability policy; Steps to reduce your liquor liability risk; Get Liquor Liability Coverage from Alliance Risk; FAQ · accessed 2026-09-23

  2. 02
    Insurance for Clubs & Lodges

    Corgi Insurance · Made for Lodge Operations; Focused on Alcohol-Service Claims; Underwritten Around the Premises; FAQ on eligibility, off-premises events and underwriting information reviewed · accessed 2026-09-23

  3. 03
    Liquor Liability Insurance for Clubs & Lodges

    Corgi Insurance · What's Actually Inside Your Liquor Liability Policy (form CES-2-LIQ-001); Surplus Lines Placement notice; Scenario notes; Policy notes; Available Endorsements; Glossary; FAQ · accessed 2026-09-23

  4. 04
    Commercial general liability insurance

    Insurance Information Institute · Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance · accessed 2026-09-16

  5. 05
    Commercial General Liability Coverage Form

    ISO; specimen hosted by Hiscox · I.A pp.1–5; I.B pp.6–7; I.C pp.7–8; Supplementary Payments p.8; II pp.9–10; III p.10; IV pp.10–12 · accessed 2026-09-16

  6. 06
    General Liability Policy Specimen including Liquor Liability Coverage

    NEXT Insurance; ISO wording · PDF pp.94–99 liquor form; p.100 BYOA endorsement; p.101 premises limitation · accessed 2026-09-16

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