Corgi vs Markel: Liquor Liability Insurance

Corgi limits liquor liability to eligible veterans’ and fraternal lodges with licensed bars and lists a $25,000 cap for assault-and-battery claims; Markel Insurance offers monoline or package liquor cover in most states.

Embarcadero Risk brings together source-based comparisons for businesses moving people and goods.Research updated 2026-09-30

Corgi's program is for eligible veterans' and fraternal lodges, with $25,000 per-common-cause and $50,000 annual assault-and-battery sublimits. Markel lists monoline or package liquor liability in most states and says assault-and-battery coverage is included under GL.

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

Eligibility and Product Reach

Corgi limits its liquor-liability program to eligible veterans' and fraternal lodges with licensed on-premises bars, rather than general liquor coverage for restaurants or other venues. Its occurrence form applies only to declared premises and includes specified alcohol-related bodily injury or property claims. Markel Insurance lists monoline or package liquor liability in most states but does not publish a comprehensive eligible-class list. A lodge can ask Corgi about program qualification; a broader hospitality operator should verify Markel's appetite and state availability directly. [2] [5]

Limits and Assault-and-Battery Treatment

Corgi shows a $25,000 assault-and-battery sublimit per common cause and $50,000 annual aggregate, with defense costs inside those limits; the main occurrence and aggregate limits appear only in declarations. Markel says assault-and-battery coverage is included under general liability in its described offering, subject to policy wording and jurisdiction. The structures are not directly comparable without the forms and declarations. [2] [5]

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

  • Ask Corgi to confirm lodge eligibility, declared premises, main liquor limits and whether defense erodes assault-and-battery sublimits; ask Markel for the actual endorsement wording. [2] [5]
  • Confirm insurer, surplus-lines status and state-specific availability for the business address. [2] [5]

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 ↗

Markel Insurance

  • role: Markel lists liquor liability within its small-business casualty offering and says monoline or package options are available in most states. Availability varies by state/product; exact issuer not mapped.company-reportedSource ↗
  • eligibility: The company page discusses liquor-liability solutions as part of its small-business casualty portfolio; no comprehensive eligible class list was reviewed. No universal eligibility conclusion.company-reportedSource ↗
  • coverage: Markel says assault-and-battery coverage is included under general liability in the described liquor-liability offering; policy wording and jurisdiction control. Statement applies to described product only.company-reportedSource ↗

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
    Commercial general liability insurance

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

  4. 04
    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

  5. 05
    Small Business Casualty and Property Insurance

    Markel · What we offer; product/liability, property, general casualty, inland marine, excess umbrella, liquor liability, hired/non-owned auto, employee benefits liability, E&O and equipment breakdown references. · accessed 2026-09-29

  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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