Dram Shop Insurance

Dram insurance that protects your business in 10 minutes or less.

Choose the Right Plan for Your Business

AGENT RECOMMENDED
diamond

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

General Liability limits:
$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 icon

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 icon

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 Dram Shop Insurance

person holding cell phone

Quick, Online Coverage

A no-quote process that can be done 100% online without speaking to an agent. 

bar

Personalized

Increase your limits, add additional coverages, and create the perfect policy to protect your business.

protection floaty

Peace Of Mind

With our 15 years of experience, dram insurance can help you run your business with peace of mind. 

What Is Dram Shop Law?

According to Dram Shop Law, you can be held liable for accidents caused by individuals you served alcohol to. Dram shop laws vary by state, so while most dram shop laws focus on visually intoxicated persons, minors, and the last business to serve them alcohol, it’s important to know your specific state law.

Buy Now

Who Does Dram Shop Liability Insurance Protect?

Dram shop liability insurance can protect restaurant owners, bartenders, caterers, concessionaires, food trucks, or private chefs from alcohol-related claims.

Buy Now

How Much Does Dram Shop Insurance Cost?

When it comes to the cost of dram shop insurance, you have a few different options. Starting at  $429 per year you can protect your business with General Liability insurance + Liquor Liability Annual insurance. Starting at $200 per year you can protect your business with the Liquor Liability Annual policy. For $134 per month, you can protect your business with a General Liability + Liquor Liability Event policy. And lastly, for $105 per year, you can protect your business with a Liquor Liability Event policy. 

The prices listed above are the starting prices for the different policies and can vary depending on

  • The state you operate your business in
  • The gross annual sales of your business
  • Limits you select
  • Length of coverage
  • If you have an existing General Liability Insurance policy

 

Buy Now

Learn More About Dram Shop Laws

Coverage Details

General Liability

Aggregate Limit: $2 Million

Protect your business from third-party bodily injury and property damage claims that arise as a result of your business operation. Examples of general liability claims include “trip and fall” accidents where a customer hurts themselves or breaks an individual’s personal property.

Liquor Liability

Aggregate Limit: $2 Million

Protect your business from third-party claims arising from accidents involving customers you served alcohol to, according to local Dram shop law. Common liquor liability claims include bodily injury and property damage claims that occurred off-premises after you served them alcohol.

Inland Marine (Tools & Equipment)

Aggregate Limit: $10K

Protect your business from the out-of-pocket expenses that could arise if your equipment gets damaged or stolen. It covers damages and loss that occur at home, during transport, on the job, or anywhere in between.

Assault & Battery

Aggregate Limit: $25K

Protect your business from third-party bodily injury, property damage, and personal advertising injury claims that arise from assault & battery, at your business location.

Cyber Liability

Aggregate Limit: $100K

Protect your business from first- and third-party claims that arise from cyber security breaches. First-party claims can include the cost of repairing or replacing compromised equipment or recovering lost data. Third-party claims commonly include loss of customer data.

Trailer Endorsement

Aggregate Limit: $2 Million

Extends your General Liability coverage to your trailer while it is parked on a premise, separated from your vehicle. You can add it in the application or from your user dashboard at any time.

Professional Liability

Aggregate Limit: $200K

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

Cyber Liability

Aggregate Limit: $100K

Cybersecurity breaches can lead to first- and third-party claims. If your business collects payments with a mobile device or stores information online, or on a computer this coverage can help protect from the costs of cybercrime.

What Our Customers Are Saying

560+ Five Star Reviews

Shannon O.
Shannon O.
Hot Day Afternoon BBQ & Catering
Read More
We have had policies with them for probably 11 years and everything has always been so professional, fast and easy. I would never even think of moving to a new carrier.
Brazil M.
Brazil M.
Spryce Company
Read More
Great Insurance Company. All my needs are accommodated through FLIP. I’ve been a client for 7 years and never needed to find a new home.
Shallie A.
Shallie A.
Set the Bar Rentals
Read More
So far, so good! New member to flip! I’ve already received top notch service from an agent, got my insurance and paid my invoice in less than an hour. Thank you to MBP for the referral.
Don B.
Don B.
Madison Lane Farms
Read More
Easy to find a policy I needed. I had a few questions and they were promptly -and very clearly - answered in email. Price is reasonable for the coverage I got. Website is easy to navigate and the user dashboard is helpful.
Chynsia M.
Chynsia M.
Vibrant Life Bakery
Read More
Hello, using and joining the FLIP website was fast, easy, painless and affordable. An agent got back to me promptly if I had any questions. I recommend FLIP to anyone who needs to insure their company.
Emtesha N.
Emtesha N.
Baked Chemistry
Read More
Simple, Easy, affordable coverage! Been with FLIP for over 4 years. I love the unlimited additional insured as well. They have a lifelong customer!!
Whitni S.
Whitni S.
Whit's End Catering
Read More
I’ve been covered by this company for almost 5 years. Very reasonably priced and great customer service.
Ken P.
Ken P.
Slider City BBQ & Catering
Read More
FLIP insurance for my catering company was very affordable and a simple process to obtain. In addition, they respond quickly when asked to add on addition kitchens to the policies.
Alejandro G.
Alejandro G.
Atlanta Vice LLC
Read More
Love the simple and easy process. Customer services answered all of my questions and my returned my immediately instead of waiting for a representative.
Michele M.
Michele M.
M&M Kettlecorn LLC
Read More
It was an easy and fast experience that you don't get with others and I will definitely be using this in the future and to any of those who want to try it, I got one thing to say to you,"JUST DO IT!"
Tanja D.
Tanja D.
Breadista
Read More
Right what we needed as a startup in the food industry. Affordable insurance and expandable when necessary. Thank you!
Maxine L.
Maxine L.
Chips Galore Cookies and More
Read More
It was am auto renew, which makes it so easy. Was sent a reminder that it was due, and then it was done..did not have to worry about it.

Have Questions? We're On It.

Dram Shop Insurance is a liability insurance plan designed to protect business owners like you from the financial burden that can arise as a result of their alcohol-serving business. Businesses that serve or furnish alcohol have risks that, should you face a liability claim, could financially devastate your business. Dram Shop Insurance can reduce and even remove the out-of-pocket cost of claims, allowing you to continue running your business with peace of mind.

The Food Liability Insurance Program’s (FLIP) Dram Shop Insurance includes General and Liquor Liability coverage, Inland Marine coverage, and additional policy options to provide you with a comprehensive coverage plan that perfectly fits your business needs.

In the United States, if your business serves or furnishes alcohol, you are required by law to have Liquor Liability insurance. Under Dram Shop, your business could be liable for accidents caused by individuals you served alcohol to, especially visibly intoxicated persons and minors. Businesses that are required to have Liquor Liability insurance include but are not limited to:

  • Bartenders
  • Caterers
  • Concessionaires
  • Food Trucks
  • Food Vendors
  • Private Chefs

Businesses that serve or furnish alcohol run a variety of risks every day. Some common risks that your business could be liable to pay for include customers getting in accidents or getting injured as a result of your business, inadvertently causing property damage, and damaging or losing your equipment.

Additionally, according to Dram shop law, your business can also be liable for any accidents caused by individuals you served alcohol to, including third-party bodily injury claims, property damage claims, and personal advertising injury claims. FLIP’s Dram Shop Insurance plan can help protect your business from all of these risks.

Depending on your business, there are many other risks you face, such as experiencing a cyber security breach, giving poor business advice, or facing an assault & battery claim against your business. For these risks, FLIP provides additional policy options you can opt to include according to your business needs.

As the owner of a business that serves alcohol, you are required by law to cover your business with liquor liability insurance. On top of that, every day your business could face an insurance claim that could place a serious financial burden on your business.

Without liability insurance, if you face a claim, you may be required to cover hefty expenses out-of-pocket. Dram Shop Insurance is designed to mitigate the financial impact of claims, allowing you to continue running your business with peace of mind.

FLIP’s Dram Shop Insurance plan includes General and Liquor Liability, as well as Inland Marine coverage. General Liability can protect your business from third-party bodily injury and property damage claims. Liquor Liability can protect your business from the financial burden of accidents caused by your patrons, according to Dram shop law. Inland Marine covers claims that arise from equipment damage or theft.

FLIP also provides extra policy options, according to the risks of your business and your individual needs. Additional policy options include extra General or Liquor Liability limits, Professional Liability, Assault & Battery coverage, and Cyber Liability insurance.

Why FLIP?

15

YEARS EXPERIENCE

27,000+

BUSINESSES TRUST FLIP

A+

RATED POLICIES