Corgi vs Coverdash: Liquor Liability Insurance

Corgi's liquor form defaults to a $25,000 assault-and-battery sublimit per common cause and $50,000 annually, for eligible lodge bars only; Coverdash markets liquor liability to bars, restaurants, breweries, caterers and event venues.

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

Corgi’s program is limited to eligible veterans’ and fraternal lodges and defaults to $25,000/$50,000 assault-and-battery limits; Coverdash serves a wider range of alcohol-serving venues but does not publish limits.

Source material

  1. 01
    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

  2. 02
    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

  3. 03
    Liquor Liability Insurance

    Coverdash · Product introduction; Bodily Injury, Property Damage, Assault and Battery and Legal Defense coverage cards; Who needs liquor liability insurance; FAQ: Isn't this covered by general liability?, dram shop laws, BYOB events · accessed 2026-09-23

  4. 04
    Terms And Conditions

    Coverdash · Definition of "Coverdash" as the LLC and Inc.; broker/agent of record designation and exclusivity; insurance-company decides whether to offer or renew coverage · accessed 2026-09-23

  5. 05
    Commercial general liability insurance

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

  6. 06
    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

  7. 07
    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

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

Lodge Eligibility or Broader Hospitality

Corgi’s liquor-liability program is limited to eligible veterans’ and fraternal lodges with licensed on-premises bars. Coverdash markets the line to bars, restaurants, breweries, caterers, and event venues that serve alcohol. Most hospitality businesses will not fit Corgi’s lodge-only program. [2] [1] [3]

Choose Corgi only if your lodge qualifies, and Coverdash if you operate another eligible hospitality venue and accept its exclusive-broker requirement.

Limits and Covered Events

Corgi’s occurrence form applies to the declared premises and excludes off-premises events, cannabis/THC beverages, and knowing service to underage patrons unless endorsed. It defaults to a $25,000 assault-and-battery sublimit per common cause and $50,000 aggregate, with defense costs inside the limits. Coverdash lists on-premises assault-and-battery among its protections and says host-liquor or BYOB coverage varies; it publishes no sublimit figures. [2] [3]

How You Apply

Corgi sends liquor-liability applicants to an advisor, and underwriting reviews license, alcohol receipts, hours, entertainment, staff practices, and loss history. Coverdash accepts quote requests online and assigns an advisor for the quote and renewals, but requires exclusive broker-of-record status before placement. [2] [1] [4] [3]

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

  • Confirm Corgi lodge eligibility before applying; Coverdash’s venue list is broader. [2] [3]
  • Read Coverdash’s exclusive agent-of-record terms before starting a quote. [4]
  • Compare Corgi’s $25,000/$50,000 assault-and-battery sublimits with Coverdash’s quoted limits. [2] [3]
  • Ask Corgi about off-premises events and Coverdash about host-liquor or BYOB. [2] [3]

Coverage topics

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 ↗

Coverdash

  • role: Coverdash arranges liquor liability coverage as a broker rather than an insurer. Its terms require customers to designate it as broker or agent of record and to work exclusively with it before it places coverage with a carrier. General brokerage terms applied to the liquor liability product page; not specific to any one carrier or state.company-reportedSource ↗Source ↗
  • insurer: The liquor liability page does not name the insurer that issues the policy. Coverdash's terms say the insurance carrier, not Coverdash, decides whether to offer coverage. Reviewed liquor liability page and terms as of 2026-09-23; neither names a carrier for this line.not-disclosedSource ↗Source ↗
  • coverage: Coverdash describes four liquor liability protections: bodily injury caused by a patron the business served, property damage from an intoxicated customer, claims from alcohol-related assault and battery on the premises, and legal defense and settlement costs for covered liquor claims. Product-page coverage cards; the issued policy and declarations control actual wording, limits and exclusions.company-reportedSource ↗
  • coverage: Coverdash says liquor liability responds to dram shop claims, where a business that serves alcohol to someone who then injures a third party can be held liable. It notes dram shop laws vary by state and that coverage for host-liquor or BYOB events varies, so a buyer should confirm the policy addresses it. FAQ answers on dram shop laws and BYOB events; no specific state law or policy wording checked.company-reportedSource ↗
  • coverage: Coverdash says most general liability policies exclude alcohol-related claims, so a business that manufactures, sells or serves alcohol needs liquor liability as separate coverage rather than relying on a general liability policy. FAQ answer distinguishing liquor liability from general liability.company-reportedSource ↗
  • eligibility: Coverdash markets liquor liability to bars, restaurants, breweries, caterers and event venues that serve alcohol, and says it is often required by landlords, licensors and event contracts. Product-page eligibility description; actual acceptance depends on underwriting.company-reportedSource ↗
  • limits: The liquor liability page does not publish specific limit, retention or deductible amounts. Reviewed liquor liability page as of 2026-09-23; figures are quote-specific and not shown on the public product page.not-disclosedSource ↗
  • application: Coverdash directs buyers to request a liquor liability quote online, and pairs the product with a dedicated advisor for the quote and each renewal, according to the product page. Product-page "Why work with Coverdash" section and quote call to action; response time and advisor availability are company-described and not tested.company-reportedSource ↗

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