Liquor liability insurance provides coverage for bodily injury or property damage for which an insured may be held liable by reason of the following:

• Causing or contributing to the intoxication of any person;
• Furnishing alcoholic beverages to a person under the legal drinking age or under the influence of alcohol; or
• Violating any statute, ordinance or regulation relating to the sale, gift, distribution or use of alcoholic beverages.
• This coverage applies only if the insured is involved in the following activities:
  • Manufacturing, selling, or distributing alcoholic beverages;
  • Serving or furnishing alcoholic beverages for a charge, whether or not such activity requires a license or is for the purpose of financial gain or livelihood; or
  • Serving or furnishing alcoholic beverages without a charge, if a license is required for such activity.