CATERING LIQUOR LIABILITY INSURANCE
Quality ingredients are at the center of your catering business. Quality insurance is at the center of ours. Our A+ rated, affordable liability insurance can help you protect your business and keep it running with peace of mind. *The cost of liquor liability insurance varies by state.
General + Liquor Liability
Protect your catering business from the cost of liability claims with a FLIP policy including general liability, liquor liability, and additional policy options for more coverage.
Annual & Event Coverage
Whether you’re looking to cover your business for an entire year, or are simply looking for short-term event coverage, FLIP has you covered with a policy that fits your needs.
Quote-Free Online Process
Getting started with FLIP is easy. In less than 10 minutes you can get the coverage you need and receive instant access to your policy via our online user dashboard.
How Does Liquor Liability Insurance Work?
If your catering business sells, serves, or furnishes alcohol as part of its business operation, then you could be held liable for accidents and damages caused by the individuals you served. Alcohol-related liability claims can be very expensive—especially in cases concerning death or serious injury. Liquor liability insurance can protect you from paying out of pocket for liquor liability claims, allowing you to continue running your business with peace of mind.Our liquor liability plan for caterers can protect your business with up to $2 million in A+ rated coverage for general liability as well as $300K or more in liquor liability and $10K in business equipment coverage. What’s more, we offer a variety of additional coverage options that can easily be added to your policy according to your business needs.
Liquor Liability Coverage Details
General Liability
General Liability Insurance can protect your business from third-party bodily injury and property damage claims that arise as a result of your business operation, 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.
Aggregate Limit: $2,000,000
Liquor Liability
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.
Aggregate Limit: $2,000,000
Inland Marine
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 covers damages and loss that occur at home, during transport, on the job, or anywhere in between.
Aggregate Limit: $10,000
Assault & Battery
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.
Aggregate Limit: $25,000
Cyber Liability
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.
Aggregate Limit: $100,000
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
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!
Requires A FLIP General Liability Policy
General + Liquor Liability
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.
Your Complete Liquor Liability Package
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
Event General + Liquor
- 1–3 Days Coverage
- Liquor Liability
- General Liablility
FAQ's About Liquor Liability Insurance
What Is Liquor Liability Insurance?
What Is Liquor Liability Insurance For Caterers?
Liquor liability insurance for caterers is a liability insurance policy designed to protect caterers from the costs of liquor liability claims. If your catering business serves, sells, or furnishes alcohol, you could be held liable to pay for accidents and damages caused by the people you served. Liquor liability insurance can reduce and even eliminate the out-of-pocket cost you may be required to pay.
FLIP’s liquor liability insurance for caterers includes general and liquor liability coverage, equipment coverage, and additional policy options for added protection. It is designed to protect caterers from the majority of liability risks they face.
Do Caterers Need Liquor Liability Insurance?
If your catering business sells, serves, or furnishes alcohol, then you need liquor liability insurance, which can protect you from paying out of pocket for alcohol-related liability claims. Without insurance, liquor liability claims can cost your business hundreds and thousands of dollars or more—especially in cases concerning death or serious injury. Covering your business with liquor liability insurance will not only provide financial protection, it will also preserve your reputation and allow you to continue running your business with peace of mind.
How Much Does Liquor Liability 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.
Blogs
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