Section 10.10 Exclusion c—Liquor Liability Exclusion

• Library: Insurance Practice 2015

The liquor liability exclusion applies only if the insured is in the liquor business. In Safeco Insurance Co. of America v. Hamm, 718 F. Supp. 744 (E.D. Mo. 1989), the court held that the exclusion is not ambiguous. A VFW hall was “in the business” of selling alcohol because it operated a bar open to the public. There was no coverage for liability under a dram shop action. Auto Owners (Mut.) Ins. Co. v. Sugar Creek Mem’l Post No. 3976, 123 S.W.3d 183 (Mo. App. W.D. 2003).

2010 SUPPLEMENT (§10.10)

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