A Florida appellate court found that a negligence claim by a bar was not covered based on the policy's liquor liability exclusion. The case is Preferred Nat'l Ins. v. Fat Investors, Inc., 842 So. 2d 1068 (Fla. Dist. Ct. App. 2003). 

A minor drank to the point of intoxication at a bar in Florida. He departed the premises while intoxicated and was later killed by a train. His estate sued the bar where he had become intoxicated, alleging the bar had had a duty to prevent the minor from leaving the premises while inebriated.

Fat Investors, who owned the bar, sought coverage from Preferred National. The claim was denied based on the liquor liability exclusion in the bar's policy, which stated that Preferred National would not cover claims for "'bodily injury' or 'property damage' for which any insured may be held liable by reason of: