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What is Liquor Liability Insurance?


If you are considering buying liquor liability coverage, you need to make sure you purchase the right kind of insurance for your business. Here, you will find all the information you need to know about the types of liquor liability insurance that are required for your bar, shop, or business.

Who needs to buy liquor liability insurance?

If you are a company that sells, serves, or makes alcoholic beverages of any kind, then you need to buy a liquor liability policy. This type of insurance can cover the cost of a claim that arises from an injury or damage that is caused by someone who is intoxicated. If you already have a general liability insurance policy for your liquor business, the coverage for any alcohol-related events will be limited. In order to protect your business in the event of a claim that could exceed this limit, it’s essential to look at buying liquor liability insurance.

Typical businesses who need liquor liability insurance may include:

  • Night Clubs
  • Bars
  • Restaurant
  • Event Caterers and venues
  • Wineries and breweries
  • Grocery stores selling wine, beer, and other types of liquor
  • Landlords who lease out a premise to any of the above business types

What does liquor liability insurance cover?

When you purchase liquor liability coverage for your business, it can give you coverage for any damages that are caused by a patron who is intoxicated. If a customer is overserved, and they go on to damage property or person, then a business liquor liability policy will pay any resultant bills.

A few examples of events that are covered may include:

  • In the event an intoxicated patron drives their car into another property, it could cover the third-party repair bills.
  • If a fight unfolds that involves an intoxicated patron, it could cover the injured party’s medical expenses.
  • Any legal expenses of the insured if an injured party decides to take legal action for damages that are caused by a patron who was overserved.

What is not covered by liquor liability insurance?

If an intoxicated patrol causes an injury to a member of your staff, then this is not covered by a liquor liability policy. Instead, your worker's compensation coverage would need to pay for their medical expenses. If one of your servers was to cause damage, this would not be covered; instead, your general liability policy would need to be used for this purpose.

How much does liquor liability insurance cost?

The cost of buying liquor liability coverage for a small business will usually range from $250-$2500. However, the type of venue you are, along with the volume of your annual liquor sales will dictate the actual cost of a liquor liability policy. In some cases, a liquor liability insurance company will offer a discount on the price of insurance for customers who provide alcohol awareness training for their staff.

What is the difference between host liquor liability and liquor liability?

Host liquor liability coverage is designed for establishments who do not sell, manufacture or serve alcohol, but whom do allow it to be consumed at an event they are hosting or on their business premises. Generally, businesses such as restaurants, breweries, and bars are excluded from host liquor liability coverage. A liquor liability policy is tailored for companies who make, serve, and sell liquor.

Is dram shop insurance the same as liquor liability coverage?

Yes, liquor liability insurance and dram shop insurance are essentially the same type of insurance product.

Does a liquor store need liquor liability insurance?

If you sell alcohol in your store, then you’ll probably need to buy liquor liability coverage. Because this type of insurance will cover a range of losses that a business could face as a result of selling someone alcohol that leads a person to cause damage to a person or property, a liquor store selling alcohol may also be subject to these liabilities and should secure coverage for such an event.

Quotes for liquor liability insurance

If you need to buy liquor insurance, you can talk to an expert commercial insurance agent about the best level of coverage for your individual business needs. They can answer any questions you might still have and provide you with a tailored quote for liquor liability coverage.


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