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.
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