You know it’s going to be a good day when you haven’t even gotten to the office and an interesting insurance scenario presents itself. I could hardly believe my good fortune a couple of weeks back as I walked down 17th Street in Philadelphia, en route to my office in One Coverage Opinions Tower, and came upon the gem pictured below.

A delivery company, and the liquor store at the corner of 17th and John F. Kennedy Boulevard, offer pedestrians the chance to play limbo on their way to work. What a crazy coincidence it would be if someone hurt their head doing this – not serious, just an egg on their forehead – and it gave rise to an insurance claim, which gave rise to coverage litigation and which resulted in an opinion that was discussed in Coverage Opinions.

This is just another example of how a commercial general liability policy can still provide coverage for liquor liability.