APPLICATION FOR LIQUOR LIABILITY INSURANCE
Centrex Liquor Liability Program
1. Type of Application: New Renewal
Expiring Policy #: __________________________
Surplus Lines Producer: _________________________________________
City/State: _________________________________________
Contact: _________________________________________
2. Desired Policy Period From: _________________________ To: _____________________________
3. Limit Requested: $50,000 $100,000 $200,000 $300,000 $500,000 $1,000,000 Other: $_____________
4. Name of Applicant (show all names including legal and dba’s): ______________________________________________________________________________
________________________________________________________________________________________________________________________________
________________________________________________________________________________________________________________________________
Applicant’s Mailing Address (city, state and zip):
________________________________________________________________________________________________________________________________
________________________________________________________________________________________________________________________________
Telephone #: ( ) ______________________ Applicant’s total years of experience in this business: ___________
5. Name of Location to be Insured: __________________________________________________________________________________________
__________________________________________________________________________________________
Location Street Address (city, state and zip): __________________________________________________________________________________________
__________________________________________________________________________________________
# of Locations to be Insured: ________ Telephone #: ( ) ______________________ Applicant’s years in business at this Location: _______
NOTE: Only 1 location per application except for retail store classes (attach Multi-Location Supplement).For Special Events, use Centrex Special Event Application.
6. If a Liquor Liability policy is issued, it will cover only the designated Insured Location(s) which will be subject to inspection and audit.
Contact person for inspection/audit: ____________________________________________ Telephone # ( )__________________________
7. Form of business: Individual Joint Venture Partnership Corporation Limited Liability Company Other: ____________________________
8. Does Applicant have a Liquor License(s)? Yes No Type of Liquor License(s): ___________________________________________
What name is on the Liquor License: __________________________________________________ We will require a copy of the Liquor License if we bind.
9. Type of Customers (most applicable): Families College Students Business/Professional Military Blue Collar Other:__________________
Average age of customers: ________ Percentage of customers who arrive/depart by car/truck: _____%
Do college students frequent the Applicant’s establishment?
Yes No If yes, what % do they comprise of the Applicant’s evening clientele? ______%
10. Description of Operations (check ALL operations that are applicable):
Bar/Tavern (may serve food){A} Billiard/Pool Hall {D} Bowling Alley {E}
Package Store (retail) {L,K} Convenience/Grocery Store {F,G} Night Club/Cabaret {J}
Comedy Club {P} Dance Hall/Ballroom {H} Beverage Distributor (wholesale) {C,B}
Catering/Banquets/Hall Rental;(Attach Hall Rental/Caterers Supplement) {Q} Hotel/Motel; have mini-bars in rooms? Yes No
Private Club; specify type (American Legion, VFW, Country Club, etc.): _______________________________________ {M}
Restaurant: specify type (American, Chinese, Italian, Seafood, etc.): __________________________________________ {N}
Other; describe: ______________________________________________________________ {O}
11. Does Applicant dispense or provide alcoholic beverages for off-premises events? Yes No If yes, Must complete Special Events Application.
Does Applicant have any Catering/Banquet Hall/Hall Rental Operations?
Yes No If yes, Must complete Hall Rental/Caterers Supplement.
Within the past 5 years, has the Applicant had any Assault & Battery Claims?
Yes No If yes, Must attach a separate sheet explaining each claim.
12. Amusement devices and/or sports facilities? Yes No
Devices with removable parts {balls, pucks, racquets, etc.} (provide # of all that apply):
Pool tables; #_____ Foosball; #_____ Air Hockey; #_____ Bowling Games; #_____ Shuffleboards; #_____ Dart Boards; #_____
Skee-Ball; #_____
Other; #_____; describe: _____________________________________________________________________
Totally enclosed devices (provide # of all that apply):
Video Games; # _____ Gambling Machines; #_____ Pinball Machines; #_____ Televisions; #_____ Mechanical Riding Machines; #_____
Other; #_____; describe: ___________________________________________________________________________________________________
Sports facilities (check all that apply):
Volleyball Basketball Hockey Other; describe: _______________________________________
13. Does Applicant have entertainment? Yes No If yes, check ALL that are applicable below:
Juke Box DJ; # of days per week: _____ Karaoke; # of days per week: _____ Solo musician/vocalist; # of days per week: _____
Exotic/go-go dancers/adult entertainment Stage/floor show or contests; describe: _________________________________________________
Band with 1-3 members: # of days per week: _____ Band with 4+ members; # of days per week: _____ Other; describe: ______________________
If the Applicant has bands or DJs as part of the entertainment, are pyrotechnics allowed? Yes No
Type of music:
Top 40 Country Classic Rock & Roll Soft Rock Jazz Alternative Rap R&B Disco Other: ____________
14. Is dancing allowed? Yes No If yes, # of days per week: _____ Size of dance floor: ____________________ square feet
15. Any consumption promotions such as happy hour, ladies night, etc.? Yes No If yes, give details: # of days per week: _______________________
Times & duration of promotions (i.e., 5pm to 7pm): ____________________ Describe alcohol/food discounts: ____________________________________
16. Area surrounding premises (check the most applicable): Downtown district Industrial Rural Entertainment district Suburban commercial
Urban commercial Residential Seasonal/resort: operate all year? Yes No Other; describe:__________________________________
Premises located within an incorporated municipality?
Yes No If yes, population of municipality: ________________________
Is there a college or university within a 3-mile radius of the Applicant’s premises? Yes No If yes, give name:____________________________________
FORM # LLAPP (6/05) Page 1
FORM # LLAPP (6/05) Page 2
17. Number of days open per week: _________ Provide the normal opening & closing hours below for the sale of alcohol (show AM or P
M after time):
Sunday-Thursday Friday Saturday
Open
Close
18. Seating Capacity: Dining room: _________ Bar area: _________ Maximum legal occupancy: _________
19. Number of peak period alcohol serving employees/owners: Bartenders: _________ Waiters and Waitresses: _________
Number of peak period bouncers or other security personnel employed: _________ Sales Clerks if applicable: ________
20. Within the past 5 years, has Applicant been fined or cited for violations of a law or ordinance related to the sale of alcohol (sales after hours, sales to minors, etc.)?
Yes No If yes, # of times: _________; explain:______________________________________________________________________________________
21. Within the past 5 years, has the Applicant or any owner/partner/officer/licensee had a liquor license revoked? Yes No
Within the past 5 years, has the Applicant or any owner/partner/officer/licensee had a liquor license suspended?
Yes No
If yes to either of the above, # of times: _________; explain:_____________________________________________________________________
_____________
22. Does the Applicant require that all alcohol serving or selling employees be certified by a formal alcohol awareness training program? Yes No
If yes, give the name of the training program (BEST, RAMP, TIPS, TAM,
etc.):___________________________________________________________
Does the Applicant have procedures in place to regulate the sale of alcohol to intoxicated customers or to minors? Yes No
Are employees permitted to consume alcohol on the Applicant’s premises while on the job or after their shift ends?
Yes No
23. Are the Applicant’s customers permitted to order more than one drink at last call? Yes No
Are the Applicant’s employees required to check age identification of customers who appear to be under the age of 25?
Yes No
24. Member of professional trade association? Yes No If yes, provide association name:_________________________________________________________
25. Provide Applicant’s annual sales for food and all alcoholic beverages (liquor, beer, and wine) below:
Alcohol
On-Premises Sales*
Alcohol
Take-Out Sales**
Food Sales
***Other Sales
Total Sales
Next 12 months $ $ $ $ $
Past 12 months $ $ $ $ $
*Alcohol Sold On-Premises: Beer Wine Liquor **Take Out Alcohol Sold: Beer Wine Liquor ***Describe other sales: _______________
If there are on-premises and take-out alcohol sales, does the Applicant keep separate sales records for on-premises and take-out alcohol sales? Yes No
26. Does the Applicant have a drive-through operation for the sale of alcohol? Yes No
Does the Applicant allow customers to BYOB (Bring Your Own Bottle)?
Yes No
27. Does Applicant carry General Liability insurance? Yes No If yes, effective from: _________to_________
Insurer:______________________________________________ Limits: $___________________ Assault & Battery Excl
uded?
Yes No
28. Does Applicant currently carry Liquor Liability Insurance? Yes No If yes, Form: Claims Made Occurrence Expiration date: _______________
Insurer:__________________________________________ Limits: $____________ Premium: $____________ Assault & Battery Excluded?
Yes No
Except for Kentucky risks, has any insurer denied cancelled or non-renewed Liquor Liability coverage in the past 3 years?
Yes No If yes, explain:
___________________________________________________________________________________________________________________________________
29. In the past 5 years, has the Applicant or any owner, partner, member, officer or licensee had any Liquor Liability claims or incidents that might give rise to such a
claim, whether insured or not?
Yes No If yes, how many claims or incidents? _______ Give details below:
Date of
Incident
Date of
Claim
Amount Paid
Amount
Res
e
rved
Status
(Open/Closed)
Description of Incident/Claim
A $ $
B $ $
C $ $
30. Is coverage needed for any Additional Insureds: A-None B-Lessor C-Other; describe insurable interest; ____________________________________
If B or C, Give Name & Address: ________________________________________________________________________________________________
_____
_____________________________________________________________________________________________________
BY SIGNING THIS APPLICATION, THE APPLICANT: (1) certifies that the information contained in this application is true and accurate to the best of his/her knowledge and belief; and (2)
acknowledges that the information contained herein will be the basis upon which the Insurer may issue a Liquor Liability policy to the Applicant; and (3) acknowledges that if the Insurer issues
a Liquor Liability policy and if any information contained herein is misleading or false, the Insurer may have the right to rescind the policy which may be issued pursuant to this application. The
signing of this application does not bind the Insurer to provide the insurance. It is mutually understood and agreed by the Insurer and the Applicant that any inspection of the premises is made
solely for the use and benefit of the Insurer, and is not to be relied upon by the Applicant in any way; and (4) authorizes the Insurer and its authorized representative, Centrex Underwriters,
Inc., to obtain the following information from the state and/or other liquor authority licensing or regulating this establishment: all violations, consumer complaints and disciplinary actions on
record with the state and/or other authority licensing or regulating this establishment in the past five years.
Please refer to the attached fraud warning, which is applicable to the state in which the premises to be insured is located.
Signature of Applicant_________________________________________________________ Title: __________________________________ Date: ______________
The undersigned hereby warrants and certifies that all information contained herein is correct; that this form was completed and then signed by the Applicant; that a completed
copy hereof has been given to the Applicant; and that the undersigned is retaining a duplicate signed copy hereof.
Retail Agency: _________________________________________________________________________________ City/State:______________________
____
______________________
Retail Agency Signature: __________________________________________________________________________ Date: ________________________________________________
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State Fraud Warnings – by State
Colorado:
"It is unlawful to knowingly provide false, incomplete or misleading facts or information to an insurance company for the purpose of
defrauding or attempting to defraud the company. Penalties may include imprisonment, fines, denial of insurance and civil damages. Any
insurance company or agent of an insurance company who knowingly provides false, incomplete, or misleading facts or information to a
policyholder or claimant for the purpose of defrauding or attempting to defraud the policyholder or claiming with regard to a settlement or
award payable for insurance proceeds shall be reported to the Colorado Division of Insurance within the Department of Regulatory
Agencies."
Florida:
"Any person who knowingly and with intent to injure, defraud or deceive any insurance company, files a statement of claim containing any
false, incomplete, or misleading information is guilty of a felony of the third degree."
Hawaii:
"For your protection, Hawaii law requires you to be informed that presenting a fraudulent claim for payment of a loss or benefit is a crime
punishable by fines or imprisonment, or both."
Kentucky:
"Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance containing
any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto commits a
fraudulent insurance act, which is a crime."
Louisiana or West Virginia:
"Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an
application for insurance is guilty of a crime and may be subject to fines and confinement in prison."
Maine:
"It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the
company. Penalties may include imprisonment, fines, or denial of insurance benefits."
Maryland:
"Any person who knowingly and willfully presents a false or fraudulent claim for payment of a loss or benefit, or who knowingly and willfully
presents false information in an application for insurance, is guilty of a crime and may be subject to fines and confinement in prison."
New Jersey:
"Any person who includes any false or misleading information on an application for an insurance policy is subject to criminal and civil
penalties."
New Mexico:
"Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit, or knowingly presents false information in
an application for insurance, is guilty of a crime and may be subject to civil fines and criminal penalties."
New York:
"Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement
of claim containing any materially false information, or conceals for the purpose of misleading, information concerning any fact material
thereto, commits a fraudulent insurance act, which is a crime, and shall also be subject to a civil penalty not to exceed $5,000 and the stated
value of the claim for each such violation."
Ohio:
"Any person who, with intent to defraud or knowing that he/she is facilitating a fraud against an insurer, submits an application or files a
claim containing a false or deceptive statement is guilty of insurance fraud."
Pennsylvania:
"Any person who knowingly and with intent to defraud any insurance company, or other person, files an application for insurance or
statement of claim containing any materially false information or conceals for the purpose of misleading, information concerning any fact
material thereto, commits a fraudulent insurance act, which is a crime and subjects such person to criminal and civil penalties."
Tennessee or Virginia or Washington:
"It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the
company. Penalties include imprisonment, fines and denial of insurance benefits."
For All other States:
NOTICE: In some states, any person who knowingly, and with intent to defraud any insurance company or other person, files an application
for insurance or statement of claim containing any materially false information, or, for the purpose of misleading, conceals information
concerning any fact material thereto, may commit a fraudulent insurance act which is a crime in many states.