(Credit: Drazen/Adobe Stock)
An insurer providing both CGL and liquor liability coverage to a bar is not required to pay under both coverages based on the liquor liability exclusion in the CGL part. The case is Acceptance Cas. Ins. Co. v. Boda, LLC, 483 F. Supp. 3d 352 (D.S.C. 2020).
|What happened?
Justin Brown, Matthew Standridge, and Callie Bell visited two different bars and consumed alcoholic beverages. After leaving the second establishment, they were involved in an auto accident with two parked police vehicles. The officers in those vehicles, Amanda Taylor and Michael Grogan, were conducting a separate traffic stop. Bell was behind the wheel, and she was subsequently charged with a DUI.
Following the accident, Brown, Standridge, Taylor, and Grogan (collectively, the injured parties) each filed their own Dram Shop suit against BODA, LLC, which owned one of the bars where Bell, Brown, and Standridge had been drinking. The suits all claimed BODA had negligently permitted its waitstaff to overserve alcohol to Bell before allowing her to drive away from the bar.
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