Catering Liquor Liability Insurance
Protect your catering business from alcohol-related risks.
Choose the Right Plan for Your Business
Platinum
General Liability + Liquor Liability Annual Policy
For caterers, food trucks, concessionaires & private chefs. Best for businesses who serve alcohol and food. General Liability policy included.
Included:
365 days of coverage
Free & Unlimited Additional Insureds
$1 Million Occurrence/ $2 Million Aggregate
Liquor Liability options up to: $1 Million Occurrence/ $2 Million Aggregate
Optional:
Assault and Battery: $25K limit
Trailer Endorsement
Professional Liability
Inland Marine (Tools & Equipment)
Starts at $429/Year
Gold
Liquor Liability Annual Policy
For caterers, food trucks, concessionaires, private chefs & bartenders. Best for businesses who need long term alcohol coverage. General Liability policy required.
Included:
365 days of coverage
Free & Unlimited Additional Insureds
Liquor Liability options up to: $1 Million Occurrence/ $2 Million Aggregate
Optional:
Assault and Battery: $25K limit
Starts at $200/Year
Silver
General Liability + Liquor Liability Event Policy
For caterers, food trucks, concessionaires, private chefs & bartenders. Best for businesses who need short term alcohol coverage. General Liability policy included.
Included:
Up to 3 days of consecutive coverage
Free & Unlimited Additional Insureds
Liquor Liability options up to: $1 Million Occurrence/ $2 Million Aggregate
Starts at $134/Event
Bronze
Liquor Liability Event Policy
For caterers, food trucks, concessionaires, private chefs & bartenders. Best for businesses who need short term alcohol coverage. General Liability policy required.
Included:
Up to 3 days of consecutive coverage
Free & Unlimited Additional Insureds
Liquor Liability options up to: $1 Million Occurrence/ $2 Million Aggregate
Starts at $105/Event
Benefits of Alcohol Catering Insurance
Personal & Customizable
Alcohol catering insurance that you can customize to fit your unique business needs.
100% Online Purchase
Same-day coverage completely online without talking to an agent or waiting on a quote.
Free & Unlimited Additional Insureds
Add unlimited additional insureds for free in the application or from your user dashboard.
Liquor liability insurance for caterers combines a series of coverages that provide liability protection from the costs of alcohol-related claims. Claims can include third-party bodily injury, property damage, assault, battery, etc. These claims can be costly and have the potential to devastate your business. Alcohol catering insurance can mitigate or even eliminate those costs.
The cost of liquor catering insurance starts at $429 per year for General Liability + Liquor Liability Annual coverage, $200 per year for the Liquor Liability Annual policy, $134 per event for General Liability + Liquor Liability Event policy, and $105 per event for the Liquor Liability Event policy.
These are the base prices and can vary depending on:
- The state you operate in
- The annual gross income amount
- Limits you select
- Length of coverage
- If you have an existing General Liability Insurance policy
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Coverage Details
General Liability
Aggregate Limit: $2 Million
Protect your business from the cost of third-party bodily injury and property damage claims. This includes protection from claims that stem from your products and operations.
Liquor Liability
Aggregate Limit: $2 Million
Provides protection from third-party Liquor Liability claims that arise from accidents caused by or involving individuals you served alcohol to. Accidents can include third-party bodily injury to individuals, customers, and property damage.
Inland Marine (Tools & Equipment)
Aggregate Limit: $10K
Provides protection for your equipment in the event of a covered claim: Fire, windstorm, vandalism, lighting, etc, anywhere you operate your business. Inland Marine insurance can mitigate or even eliminate the out-of-pocket expenses from repairing or replacing your equipment.
Free & Unlimited Additional Insureds
An Additional Insured is any business, property owner, or event organizer that requires you to extend your insurance coverage to them. Add them at any time for no extra charge.
Assault & Battery
Aggregate Limit: $25K
This optional coverage helps with the costs related to injury or property damage, both threatened or actual. Costs can include attorney fees, medical fees, and property replacement.
Trailer Endorsement
Aggregate Limit: $2 Million
Extend your General Liability coverage to your trailer while it is parked on premises and detached from your vehicle. This optional coverage can be added in the application or your user dashboard.
Professional Liability
Aggregate Limit: $200K
For the rendering or failure to render services in connection with the operation of your business description as a facilitator, instructor, or teacher of classes or workshops.
Cyber Liability
Aggregate Limit: $100K
If you collect payments or client information online on a tablet or mobile device, then you are vulnerable to cyber security breaches. This can lead to first and third-party claims. Cyber Liability insurance can help protect you from the cost of these claims.
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Alcohol catering insurance covers the cost of alcohol-related claims. Claims can include bodily injury, property damage, assault, and battery. These claims costs can include medical fees, attorney fees, and property replacement costs. While each claim is different, they are each expensive and can cost thousands of dollars.
Yes. As a caterer, you work with many different clients. This opens you up to different types of claims including lawsuits, property damage, and bodily injury. Cost of the claims aside, experiencing a claim without insurance can damage your business reputation making it hard to book clients. With insurance, you can advertise yourself as a licensed and insured business.
Liquor liability insurance for caterers protects your business through a combination of coverages. When you combine General Liability insurance and Liquor Liability insurance your business can enjoy all the perks of both insurances. With a policy from the Food Liability Insurance Program (FLIP), you can add additional coverages such as Inland Marine insurance, a trailer endorsement, and Cyber Liability insurance. These coverages combined can help mitigate or even eliminate the out-of-pocket costs associated with claims.
Serving liquor opens your business up to a lot of risks, including
- A guest imbibes one too many champagne toasts at their friend’s retirement party. They leave the party, lose control of their vehicle, and strike a pedestrian. You’re held liable for the medical fees.
- While catering a corporate party at a high-end hotel, an intoxicated guest trips, knocks over, and breaks a hotel decoration. The hotel holds you liable for the damages.
- Your business is booked to cater a bachelor party. Two of the groomsmen fall drunk and unfortunately, start a barroom brawl. This leads to another guest getting injured as they dive out of the way. You’re held liable for their medical fees.
