Deletes the liquor liability exclusion in the CGL form and replaces it. The term"in the business of" is eliminated. Instead, the exclusion applies only if the insured (1) manufactures, sells, or distributes alcoholic beverages, (2) serves liquor for a charge, regardless of whether or not the activity requires a license or is for the purpose of financial gain, (3) serves liquor without charge if a license is required for such an activity; or (4) permits any person to bring alcoholic beverages onto the insured's premises for consumption on the premises.

Provides liquor liability coverage as a stand-alone coverage.

Explains the ISO CGL liquor liability exclusion with cited court cases and includes a chart of the recently updated liquor liability grades by state.

Discusses business auto liability coverage for hired and nonowned autos.

Business auto endorsement to add hired auto coverage.

Business auto endorsement to add additional insured and/or loss payee.

Business auto endorsement to add employee as lessor.

Declarations for Business Auto coverage