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.
Benefits of Alcohol Catering Insurance
A+ Rated & Customizable Policies
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.
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, and more. These claims can be expensive and have the potential to devastate your business.
Catering alcohol insurance from Food Liability Insurance Program (FLIP) can mitigate or even eliminate those costs.
How Much Does Liquor Catering Insurance Cost?
Prices can vary depending on your unique business needs:
- General Liability + Liquor Liability starts at $37.75 per month
- General Liability + Liquor Liability Event Policy starts at $150 per event
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
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.
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.
Why Food and Beverage Professionals Choose FLIP
Here's what other people have to say about their experience from over 312+ available reviews.
FAQs About Catering Liquor Insurance
What Does Liquor Liability for Caterers Cover?
Liquor liability catering insurance can cover the cost of expensive alcohol-related claims including bodily injury, property damage, assault, and battery. Claims like these can result in medical fees, attorney fees, property replacement costs, and more.
Do Caterers Need Liquor Liability Insurance?
If your catering business serves alcohol, you need liquor liability insurance. You can be held liable for an intoxicated customer’s actions in 42 of the 50 states.
If a patron causes an accident, you may be responsible for medical bills, legal fees, and property damage costs.
Additionally, many event planners will require you to carry liquor liability insurance to operate on their property. This mitigates the potential risk for the venue and your business.
How Does Liquor Liability Insurance Work?
Liquor liability insurance for caterers protects your business through a combination of coverages. By combining General Liability Insurance and Liquor Liability Insurance, your business enjoys all the protection and perks of both coverages.
You can also add coverages like:
These coverages combined can help mitigate or even eliminate the out-of-pocket costs associated with covered claims.
What Are the Risks of Serving Liquor As a Caterer?
Serving liquor opens your catering business up to many risks, such as:
- A guest imbibes one too many flutes of champagne at their friend’s retirement party. They leave the event, 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 caters for 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 bills.
In each of these scenarios, caterer liquor liability insurance could help cover some or all of your out-of-pocket expenses, saving you thousands of dollars.
