Liquor Liability Insurance

Protect your business when alcohol is served.

Serving alcohol comes with unique risks—injuries, property damage, or legal claims caused by intoxicated patrons. Without the right protection, a single incident could become costly and damaging.

With Liquor Liability Insurance, you safeguard your business—so you can serve confidently and keep operations running smoothly.

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Protection for Alcohol-Serving Businesses

Dram Shop Liability Protection

Covers legal liability under “dram shop” laws that hold alcohol-serving establishments responsible for injuries or damages caused by intoxicated patrons.

Over-Service Claims Defense

Defends against allegations of over-serving alcohol, serving minors, or serving visibly intoxicated persons that lead to accidents or injuries.

Financial Protection

Provides funds for legal defense, settlements, judgments, and medical expenses arising from alcohol-related incidents involving your patrons.

What Liquor Liability Insurance Covers

Dram Shop Liability

Covers claims under dram shop laws holding establishments liable for injuries/damages caused by intoxicated patrons they served.

Legal Defense Costs

Pays for attorney fees, court costs, settlements, and judgments—even for frivolous or unsubstantiated claims.

Assault & Battery

Protects against claims from fights, altercations, or assaults that occur on premises and involve alcohol consumption.

Medical Expenses

Covers medical bills for injuries to third parties caused by intoxicated patrons you served.

Property Damage

Covers damage to property caused by intoxicated patrons, including vandalism, accidents, or destructive behavior.

Lost Income Claims

Protects against claims for lost wages or income when accidents prevent third parties from working.

Businesses That Need Liquor Liability

Bars & Nightclubs

Establishments primarily focused on alcohol service with high patron turnover and significant intoxication risks.

Catering Companies

Event caterers providing bar service, bartenders, or alcohol for weddings, parties, and corporate events.

Restaurants

Food service businesses with bar service, wine lists, cocktail menus, or alcohol promotions.

Event Venues

Wedding venues, conference centers, banquet halls, and rental spaces allowing alcohol service.

Hotels & Resorts

Accommodation businesses with bars, minibars, room service alcohol, or banquet alcohol service.

Special Event Organizers

Festivals, concerts, sports events, fundraisers, and temporary events with alcohol sales or service.

Protect Your Alcohol-Serving Business Today

Don’t risk catastrophic liability claims from alcohol-related incidents. Get essential liquor liability protection that meets legal requirements and safeguards your business.

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