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Liquor Catering Insurance

Protect your catering business from alcohol-related risks and plan your next event with insurance that has the liquor liability coverage you need.

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Choose the Right Catering Liquor Liability Insurance Plan for Your Business

AGENT RECOMMENDED
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Platinum

General Liability + Liquor Liability Annual Policy

For caterers, food trucks, concessionaires, and private chefs. Best for businesses who serve alcohol and food. General Liability policy included.

Included:

365 days of coverage

Free & Unlimited Additional Insureds

General Liability limits:
$1 Million Occurrence / $2 Million Aggregate

Liquor Liability options up to: $1 Million Occurrence / $2 Million Aggregate

Optional:

Assault and Battery: $25,000 limit

Trailer Endorsement

Professional Liability

Inland Marine (Tools & Equipment)

Starts at $429/Year

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Gold

Liquor Liability Annual Policy

For caterers, food trucks, concessionaires, private chefs, and 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: $25,000 limit

Starts at $200/Year

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Silver

General Liability + Liquor Liability Event Policy

For caterers, food trucks, concessionaires, private chefs, and 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

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Bronze

Liquor Liability Event Policy

For caterers, food trucks, concessionaires, private chefs, and 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

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Personal & Customizable

Alcohol catering insurance that you can customize to fit your unique business needs. 
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100% Online Purchase

Same-day coverage completely online without talking to an agent or waiting on a quote. 

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Free & Unlimited Additional Insureds

Add unlimited additional insureds for free in the application or from your user dashboard. 

What Is Liquor Liability Insurance For Caterers?

Liquor liability insurance for catering businesses 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 expensive and have the potential to devastate your business. Catering alcohol insurance can mitigate or even eliminate those costs.

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How Much Does Liquor Catering Insurance Cost?

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. Whether you need alcohol event insurance for a one-time gig or consistent coverage throughout the year, you’ll find what you need with FLIP. 

These are the base prices and can vary depending on: 

  • The state you operate in 
  • The annual gross income amount
  • The limits you select
  • The length of coverage
  • If you have an existing General Liability Insurance policy


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Learn More About Liquor Liability Insurance for Catering

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: $10,000

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: $25,000

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: $200,000

For the completion or failure to complete services in connection with the operation of your business description as a facilitator, instructor, or teacher of classes or workshops.

Cyber Liability

Aggregate Limit: $100,000

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. 



Check Out What Our Customers Say

Here's what other people have to say about their experience from over 312+ available reviews.

Have Questions? We're On It.

Liquor liability catering insurance covers the cost of alcohol-related claims including bodily injury, property damage, assault, and battery that could result in medical fees, attorney fees, and property replacement costs. While every 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 and make it hard to book clients. With insurance, you can advertise yourself as a licensed and insured business with a caterer liquor license and liquor liability insurance for events and more.

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 coverages. With a policy from 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 get drunk and 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.

Why FLIP?

15

YEARS EXPERIENCE

32,000+

BUSINESSES TRUST FLIP

A+

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