Only if disclosed. On-premises consumption changes the exposure and often the license class.
Property covers burglary; crime covers employee dishonesty. Spirits are a high-shrinkage category.
Yes. Off-premises sales still carry dram shop exposure under New York law, and general liability excludes it.
Sales to minors or visibly intoxicated buyers. Documented training and ID checking are your defense.
Fraud is a crime
If your application contains purposefully misleading, absent, or inaccurate information, you could be charged with fraud. Your insurance carrier could potentially void your policy, or you could face civil or criminal charges or penalties.
Any person who knowingly and with intent to defraud any insurance company or other person, files an application for insurance or statement of claim containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent act, which is a crime.
