意外责任险第 451 / 531 题
A restaurant that serves alcohol asks whether its general liability policy answers a suit claiming it over-served a patron who then caused a crash. The correct response is that:
a.the liquor liability exclusion applies to it
b.the exclusion drops once a licence issues
c.Coverage C pays those medical bills anyway
d.the umbrella responds with no underlying form
解析
A standard general liability policy excludes injury or damage for which the insured may be held liable by reason of causing or contributing to intoxication, furnishing alcohol to a minor or to someone already under the influence, or violating any law relating to the sale of alcoholic beverages. The exposure has to be bought back through a separate liquor liability policy or endorsement. Holding a licence does not remove the exclusion, and whether a server can be held liable at all turns on each state's dram-shop law.
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