Irreplaceable cellared, rare, or vintage wine is valued on the date of loss at the average market listing of three well-established and reputable wine merchants selected by Chubb. Other valuation provisions apply to wine in any state of process, bottled for sale, or sold in bulk. Liquor liability insurance on an occurrence basis is available for on-premises exposures from tasting activities, retail outlets, or restaurants. Comprehensive personal liability covers personal and business assets of sole proprietorships and partnerships. The program is currently available in California, Arizona, Colorado, Idaho, Maryland, Michigan, Montana, New Jersey, New Mexico, North Carolina, Ohio, Oregon and Pennsylvania.
Approvals are pending in New York, Virginia and Washington.