Liquor Liability Insurance

Reliable coverage and dependable service

Liquor liability insurance is business insurance that protects your business against loss or damages claimed as a result of a patron of your business becoming intoxicated and injuring themselves or others. If your business manufactures, sells, serves, or facilitates the uses or purchase of alcohol, then your business may need this coverage.

Liquor liability coverage may be sold as an add-on to a commercial liability policy or as a separate liability policy. But, if you do not purchase this extra coverage your standard liability policy DOES NOT protect your business against these kind of claims.

This coverage is expensive - depending on your location - and it is estimated by experts that only 35% of businesses that should have this coverage actually purchase this coverage. Part of this is because of misconceptions that exist in the hospitality industry regarding the industry's liability risks for intoxicated patrons. That issue is a topic in itself. Part of this is because the insurers continually add exclusions to the point that this coverage is seen as having no value.

If you live in a state with a "dram shop liability" statute, then purchase this insurance if your business will manufacture, sell, serve, or facilitate the use of alcohol.

What to look for/ask for in a liquor liability policy:

As a final note, liquor liability insurance WILL NOT cover sales that are contrary to law and sales to minors.

Our focus is on: