Bartender
Liquor Liability Insurance

Starting As Low As $399* / YearSee Coverage Options

*The cost of liquor liability insurance varies by state

Preparing and serving delicious drinks is the center of your business. Serving high-quality liquor liability insurance is the center of ours. Protect your alcohol-serving business from the cost of claims and continue running your business with peace of mind.

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Comprehensive
Coverage

FLIP provides A+ rated liability insurance policies that include general and liquor liability, tools and equipment coverage, and more according to your business needs.

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Annual & Event
Policies

Are you looking for annual coverage, or do you simply need a comprehensive, affordable policy for an upcoming event? Whatever you’re looking for, FLIP has you covered!

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Instant,
Quote-Free Process

With FLIP, you can get the high-quality coverage you need in less than ten minutes. Plus, you gain instant 24/7 access to your policy through our online user dashboard.

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Do Bartenders Need Liquor Liability Insurance?

As a professional whose business entails selling, serving, or furnishing alcohol, you may be held liable by state dram shop laws to pay for accidents and damages caused by individuals you served. Just one liquor liability claim can cost hundreds of thousands of dollars and damage your business reputation. Liquor liability insurance can protect you from the out-of-pocket cost of liquor liability claims and help you run your business with peace of mind.

Annual Liquor Policies

Our base policy includes general and liquor liability, tools and equipment coverage, and more. Already have a FLIP general liability policy? Not a problem! You can easily add liquor liability to your existing FLIP policy anytime.

LIQUOR LIABILITY ONLY

Requires A FLIP General Liability Policy

If you already have a FLIP general liability policy and are simply looking to add liquor liability, then this is the coverage option for you. You can access and make changes to your policy any time through your FLIP user dashboard. Just follow the link below to sign in and get started!

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GENERAL + LIQUOR LIABILITY

Your Complete Liquor Liability Package

Are you looking for a comprehensive, affordable liability plan for your alcohol-serving business? Well, look no further. Our general + liquor liability plan not only provides the coverage you need to protect your business from liquor liability claims, but also the majority of claims you may face.

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Liquor Event Policies

In addition to annual insurance policies, FLIP also offers event policies for businesses that only need a few days of coverage. Two event policies are available, depending on the insurance needs of your business.

EVENT LIQUOR ONLY

  • 1–3 Days Coverage
  • Liquor Liability
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EVENT GENERAL + LIQUOR

 

  • 1–3 Days Coverage
  • Liquor Liability
  • General Liablility
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What Is Liquor Liability Insurance?

According to United States dram shop laws, your business could be found liable to pay for accidents caused by your patrons. These accidents can cost hundreds of thousands of dollars—or more in cases concerning death or serious injury—and damage your reputation. Liquor liability insurance can protect your business from alcohol-related accidents. It mitigates, and often eliminates, the out-of-pocket cost of claims and allows you to continue running your business with peace of mind.

Bartender Liquor Liability Coverage Details

With FLIP, you can protect your bartending business with up to $2M in A+ rated coverage for general liability and up to $300k in liquor liability coverage—not to mention $10k in business equipment coverage. If you need more coverage, don’t worry! We provide additional limits and policy options to fit your business needs.

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General Liability

Aggregate Limit: $2M

General Liability Insurance can protect your business from third-party bodily injury and property damage claims that arise as a result of your business operations, like a customer tripping on your equipment and injuring themselves. It can also protect against claims regarding products-completed operations, personal and advertising injury, and more.

LIQUOR LIABILITY

Aggregate Limit: $300,000*

Liquor Liability Insurance can protect your business from third-party liquor liability claims arising from accidents caused by or involving individuals you served alcohol to. Common liquor liability claims include but are not limited to bodily injury of the customer or other individuals as well as property damage caused by the intoxicated individual.

Inland Marine

Aggregate Limit: $10,000

Inland Marine Insurance can protect your business from the out-of-pocket expenses that could arise from repairing or replacing business equipment that gets damaged or stolen. It can cover damages and loss that occur at home, during transport, on the job, or anywhere in between.

ASSAULT & BATTERY

Aggregate Limit: $25,000

Assault & Battery Insurance is an additional policy option that can protect your business from third-party bodily injury and property damage claims that arise from assault & battery events, both threatened or actual, at your business location. It can also cover claims that you failed to prevent assault & battery events when you should have done so.

Cyber Liability

Aggregate Limit: $100,000

Cyber Liability Insurance is an additional policy option that can protect your business from first- and third-party claims that arise from cyber security breaches. If your business collects or stores information online, on a computer, or on a mobile device, such as collecting payments with a mobile device, we strongly recommend this coverage option.

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FAQs About Bartender Liquor Liability Insurance

What Is
Liquor Liability Insurance For Bartenders?

Bartender insurance is a liability insurance plan designed to protect bartending businesses from the cost of liability claims. As professionals that sell, serve, or furnish alcohol, bartenders face a unique set of risks that, without liability insurance, could cost upwards of hundreds of thousands of dollars. With general and liquor liability coverage as well as additional policy options for added coverage, FLIP’s bartender insurance plan can reduce and even remove the cost of the majority of liability claims a bartending business may face.

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Why Does My Business
Need Bartender Insurance?

As a business that sells, serves, or furnishes alcohol, you may be held liable by your state’s dram shop laws to pay for injuries, accidents, and other damages caused by individuals you served alcohol to. Liquor liability claims can cost hundreds of thousands of dollars, especially in cases concerning death or serious injury. Without bartender insurance, you may be required to cover those expenses out of pocket, but with bartender insurance, you can rest easy knowing that your business is covered.

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How Much Does
Bartender Insurance Cost?

The base cost of liquor liability insurance varies by state and the individual needs of your business. For policies including both general and liquor liability insurance, starting rates for your state may be as low as $399 a year. To receive an accurate quote based on your state, please follow the link below.

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What Coverage Is Included
In Bartender Insurance?

FLIP’s bartender insurance plan includes general liability, liquor liability, and tools and equipment coverage. Together, these coverages can protect your business from the majority of liability claims faced by businesses in your industry, including bodily injury and property damage claims as well as liquor liability claims. However, if your business needs more coverage, FLIP also provides additional policy options for extra protection.

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Contact us

FLIP (FOOD LIABILITY INSURANCE PROGRAM)
260 South 2500 West Suite 303
Pleasant Grove, UT 84062

P: 844.520.6992
info@fliprogram.com

Testimonials

"I have used FLIP insurance for two years now. They have always provided excellent service at an affordable price. Don't consider going with anyone else!"

Jessi, TN