Liquor Liability Insurance

Do you need Liquor Liability Insurance?

Owning a business that serves alcohol, whether in an established location or for a special event, always involves an element of risk. Liquor liability insurance protects you against loss or damages claimed as the result of a patron of your business becoming intoxicated and injuring themselves or others.

If your business manufactures, sells, serves, or facilitates the use or purchase of alcohol, then you need liquor liability insurance coverage.

Liquor liability 101

There are many aspects to liquor liability, which can often times make it very confusing. Liquor liability laws vary between states, so it is important to fully understand the laws for your desired state. Here are some good things to know:

  • “Dram Shop” Laws are established at the state level and hold alcoholic beverage servers financially liable for the harm that visibly intoxicated individuals cause to other people, themselves, or property 
  • Liquor Legal Liability provides coverage for bodily injury or property damage for which you may become legally liable as the result of contributing to a person's intoxication
  • Host Liquor Liability Insurance Policies cover special events for businesses that elect to serve alcohol to their employees, prospects, and customers

Will you be held responsible?

Court decisions, coupled with new state statutes, are holding vendors of alcoholic beverages increasingly responsible for damages under liquor liability laws. Nevertheless, liquor liability insurance continues to be a quiet, if not dwindling, market around the country. In fact, more than half the establishments serving alcohol in the United States choose to operate without liquor liability insurance coverage.

We make the liquor liability insurance process as simple as possible. By filling out a simple online form, our expert agents will shop the market for you and get you the best possible coverage. We pride ourselves on taking care of our clients and their interests.

What does liquor liability insurance cover?

Most liability claims against bars, restaurants, etc. tend to be alcohol related, whether that means altercation or drunk driving incidents. It happens more often than you would think, and when you are the one in charge of said liability you do not want your business to suffer due to lack of planning. Litigation costs and attorney fees are two examples of what liquor liability insurance may cover. 

Worried about the cost?

We specialize in covering local businesses like yours. We have everything you need right here, including:

  • Monthly payment options
  • Coverage of temporary staff
  • Claims responsiveness
  • Tailored coverage
  • Knowledgeable agents