ORS 735.265 Liquor liability insurance risk and rate classifications; rules

If a market assistance plan is formed under ORS 735.210, or a joint underwriting association is formed under ORS 735.220, the Director of the Department of Consumer and Business Services shall by rule establish such liquor liability insurance risk and rate classifications as may be necessary to facilitate the availability and affordability of this commercial insurance product. Risk and rate classifications shall be established for all facets of the liquor industry including those who sell at wholesale or retail and the State of Oregon, as allowed by law. Risk classifications and rating plans shall be developed upon considerations including, but not limited to, the following factors:

Past loss experience and prospective loss experience of different license types.

Past loss experience and prospective loss experience in different geographic areas.

Prior claims experience of the individual licensee.

Prior compliance with public safety and alcoholic beverage laws, rules and ordinances pertaining to the sale and service of alcoholic beverages.

Evidence of responsible management policies including, but not limited to, procedures and actions which:

Encourage persons not to become intoxicated if they consume alcoholic beverages on the licensee’s premises;

Promote availability of nonalcoholic beverages and food;

Promote safe transportation alternatives to driving while intoxicated;

Prohibit employees and agents of the licensee from consuming alcoholic beverages while acting in their capacity as employee or agent;

Establish promotions and marketing efforts which publicize responsible business practices to the licensee’s customers and community;

Implement comprehensive training procedures; and

Maintain an adequate, trained number of employees and agents for the type and size of licensee’s business.