Corgi vs Harper: Liquor Liability Insurance

Harper sizes liquor coverage to the alcohol license type, from limited beer-and-wine up to high-limit nightclub cover; 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

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

Lodge Eligibility or Restaurant and Nightclub Markets

Corgi limits this liquor program to eligible veterans’ and fraternal lodges with licensed on-premises bars. Harper groups its applications by full-service restaurants, casual restaurants, quick-service concepts, franchises, and nightclubs, which it labels its highest-risk segment. Harper also sends one application to every carrier it says can write the account. [2] [1] [3]

Choose Corgi if your licensed bar is part of an eligible lodge, and Harper if you run a restaurant or nightclub.

Sublimits and Coverage Packaging

Corgi’s occurrence form is limited to the declared premises, excludes off-premises events and defaults to $25,000 per common cause/$50,000 aggregate for assault and battery, with defense inside those limits. Harper says it sizes coverage to the alcohol license, from beer-and-wine risks to high-limit nightclub cover with assault-and-battery options, often packaged with general liability and property. Harper publishes no dollar limits. [2] [3]

How You Apply

Corgi routes applicants to an advisor and reviews license, receipts, hours, entertainment, staff practices, and loss history. Harper starts with a specialist conversation and uses a restaurant/bar or nightclub application supplement. [2] [1] [3]

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

  • Confirm lodge eligibility before requesting Corgi’s form; Harper’s list centers on restaurants and nightclubs. [2] [3]
  • Compare Corgi’s $25,000/$50,000 sublimits with Harper’s quoted assault-and-battery limits. [2] [3]
  • Ask Harper which carriers quoted and whether liquor is bundled with general liability and property. [3]
  • Ask both which insurer issues the policy. [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 ↗

Harper

  • role: For liquor liability, Harper says it takes one application to every carrier that can write the risk and shows the business all the quotes that come back, instead of sending the account to a single carrier. Product-page description of the 'Harper Concierge' process for this line.company-reportedSource ↗
  • eligibility: Harper organizes its liquor liability practice around food-and-beverage segments: full-service restaurants with a bar program, general/casual restaurants serving beer or wine, quick-serve and fast-casual concepts, fast-food franchises, and nightclubs and bars, which it calls its highest-risk segment. Segment breakdown on the liquor liability page; each segment links to a different Harper application.company-reportedSource ↗
  • coverage: Harper says the liquor liability coverage it places is sized to the alcohol license type, from limited beer-and-wine liquor liability up to high-limit liquor liability and assault-and-battery coverage for nightclubs, usually packaged with general liability, property and other lines relevant to the segment. Segment-specific coverage lists on the product page; actual policy wording and package composition depend on the insurer and underwriting.company-reportedSource ↗
  • limits: The reviewed page describes 'high-limit' liquor liability for nightclubs and bars but does not publish specific limit or retention amounts for any segment. Liquor liability product page as read on 2026-09-23.not-disclosedSource ↗
  • services: Harper states that 98.78% of its customers renew with it and that more than 6,000 businesses use Harper, figures the company attributes to itself without citing an independent audit. Company-reported statistic on the liquor liability page; not independently verified and not broken out by line.company-reportedSource ↗
  • application: Harper routes liquor liability applicants into a segment-specific application (for example, a restaurant/bar application with a liquor supplement, or a nightclub application with an assault-and-battery supplement) after a specialist-led conversation about the business. Application flow described on the liquor liability page.company-reportedSource ↗
  • insurer: The liquor liability page names no specific insurer for this line; it shows a general partner-insurer logo strip shared across Harper's site rather than carriers tied to liquor liability placements. Liquor liability product page as read on 2026-09-23.not-disclosedSource ↗

Corgi includes general liability in startup packages; Harper shops multiple insurers for hard-to-place or previously declined businesses.

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

    Harper · Liquor Liability - Harper Concierge hero; segment sections for full-service restaurants, general restaurants, quick-serve, fast food & franchises, and nightclubs & bars; How Harper Concierge works; Proof: Trusted by 6,000+ companies, 98.78% of customers renew with us · 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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