Liquor Liability Insurance

Protect Your Business From Alcohol Related Claims

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What is Liquor Liability Insurance?

Liquor Liability Insurance  is necessary for businesses such as restaurants, nightclubs, and bars that sell or serve alcoholic beverages and need protection from damages or injuries caused by intoxicated patrons including damages from careless behavior, fights or automobile accidents.

Fortunately you can protect your business from large financial losses or devastation with a Liquor Liability Insurance Policy. These policies can sometimes include General Liability coverage but most often this type of coverage needs to be purchased separately.

Most states have “Dram Shop” laws that make a business liable if they serve a patron who is clearly intoxicated. This law makes it even easier for your business to be sued after one of your overserved patrons causes harm to someone else. Liquor Liability Insurance provides the protection you need for your business.

Who Needs a Liquor Liability Policy?

Most states require all establishments that sell, serve or assist in the purchase of alcohol to carry Liquor Liability Insurance. Even if it is not required by the state, this insurance is particularly important to taverns, bars, and nightclubs and could be the difference between maintaining a profitable business and facing closure in the event of a liability lawsuit.

This insurance may be necessary if:

  • It is mandated by your state to carry Liquor Liability Insurance
  • Is required by your financial institution or landlord
  • You serve alcohol at a hotel, cafe, restaurant, or bar
  • Serve alcohol at a business event or party
  • Offer catering services that serve alcohol
  • Are a facility that rents our space for weddings, parties, or events
  • Handle fundraisers or special events that include alcohol on site or a bar

What is Covered by a Liquor License Policy?

  • Personal Injury Costs

  • Property Damages

  • Legal Defense Fees

  • Court Costs

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The content of this site is descriptive only. The precise coverage offered is subject to the terms and conditions of the policies issued. Coverage may not be available in all jurisdictions or applicable in all situations.