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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
Legal Defense Fees
DFI Insurance Can Help!
let our licensed experts help with your insurance needs!
Let our licensed experts aggressively compare and shop between our numerous top carriers to ensure we get exactly the coverage you need at the most affordable rates possible. We make the process simple, fast, and reliable.
At DFI Insurance, our mission begins with a belief that our existence is to serve and respect our customers. Their satisfaction is the best measure of our success. Our execution is only possible by aligning with the highest quality insurance providers available then working hard to match our customers needs directly with these providers.
Wide Selection of Carriers and Coverages
DFI Insurance has special access to top carriers that provide excellent support and low rates ensuring you are protected. DFI Insurance has coverages ranging from auto, homeowners, life insurance, commercial business insurance and more!
At DFI Insurance our licensed agents get to know you and your insurance needs and we offer unbiased information since we work for you. Let our knowledgeable, experienced professionals customize an insurance solution and make sure you get the best coverage at the best rates possible!
Some Additional Business Insurance Coverages
Protects your business vehicles similar to your own personal auto insurance policy.
Guarantees a principal’s integrity, honesty, performance and financial responsibility.
Protect your building, equipment, inventory from fire or other disasters
Protect experts who might face unique or unusual lawsuits as a result.
Covers against financial loss if claims of injury or damage.
Recommended insurance coverage based on your specific industry
Protects employees if they sustain an injury or become ill while on the job
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.