Event Liquor Liability Insurance
Get the short-term liquor liability coverage you need for your next event — fast, affordable, and built for food and beverage businesses
Benefits of Liquor Liability Insurance for Events
Get event-ready and discover the perks of insuring your alcohol services with FLIP.
Buy 100% Online for Instant Proof
Get coverage in 10 minutes or less and gain instant online access to your Certificate of Insurance (COI), policy documents, and coverage options.
Tailored for Food & Drink Businesses
A+ rated protection built for caterers, bartenders, and vendors who need short-term coverage for serving or selling alcohol at events.
Free & Unlimited Additional Insureds
Add venue managers, event organizers, and sponsors as additional insureds from your online dashboard at no extra cost.
What Is Event Liquor Liability Insurance?
Event liquor liability insurance is a short-term policy that protects caterers, bartenders, and businesses when serving or selling alcohol at special events. A type of liquor liability insurance, it helps cover third-party alcohol-related accidents, such as:
If an intoxicated guest hurts someone or damages their property after you’ve served them, you could be held responsible for the costs. FLIP’s liquor liability coverage can pay for medical bills, repairs, and legal fees, so you’re not left handling claims on your own.
Coverage Options for Event Insurance with Liquor Liability
Choose the policy that best fits your business for simple, affordable coverage at weddings and events.
General Liability + Liquor Liability Event Policy
For businesses that need both general and liquor liability coverage for a single event (no existing FLIP policy required)
From $150/Event
- $2 million in general liability coverage
- Up to $2 million in liquor liability coverage
- $300K in damage to premises rented coverage
- Free, unlimited additional insureds
- Options for increased coverage
Liquor Liability Event Policy
For businesses that already have an active general liability policy and need liquor liability coverage for a single event
From $100/Event
- Up to $2 million in liquor liability coverage
- Free, unlimited additional insureds
- Options for increased coverage
- Requires an active general liability policy in place
Heads Up: Food and beverage businesses must have general liability insurance before buying event liquor liability. FLIP offers flexible policy options, so you can get the coverage you need!
Who Needs Liquor Liability Insurance for Events?
Any business that sells or serves alcohol at special events needs liquor liability event insurance. This includes:
- Mobile bartenders
- Wedding vendors
- Alcohol caterers
- Food trucks
- Food festival vendors
- Other businesses subject to dram shop laws
Venues and event organizers often require a Certificate of Insurance (COI) showing proof of general and liquor liability coverage before you can set up and start serving.
First time serving alcohol at an event? Learn more about insurance for bartenders and alcohol serving businesses.
Host Liquor vs Event Liquor Liability for Businesses
Not sure whether you need host liquor liability or event liquor liability? This chart breaks down the difference.
Host Liquor Liability | Event Liquor Liability | |
Who Needs It | Individuals or businesses hosting events who do not sell or serve alcohol | Businesses and vendors who sell, serve, furnish, manufacture, or distribute alcohol |
What It Covers | Claims related to alcohol service when your business isn’t the one providing it | Alcohol-related claims tied to your alcohol service at events |
How to Buy | Included with FLIP’s general liability coverage | Must purchase an event liquor liability policy |
How Much Does Liquor Liability Insurance for Events Cost?
Liquor liability event insurance from FLIP starts at $100 per event, with up to 3 days of coverage. You can also bundle general liability with liquor liability insurance for as low as $150 per event.
The final cost of liquor liability insurance depends on the policy you select, as well as:
- Your gross annual revenue
- The state(s) you operate in
- Your coverage limits
- Event details and attendance (for event liquor liability only)
Serving alcohol at multiple events this year? Cover your business operations, attend unlimited events, and get more coverage options with FLIP’s annual liquor liability insurance starting at $37.75 a month.
Coverage Details & Limits
General Liability Aggregate Limit
$2,000,000
Products – Completed Operations Aggregate Limit
$2,000,000
Personal and Advertising Injury Limit
$1,000,000
General Per Occurrence Limit
$1,000,000
Damage to Premises Rented to You Limit (Any One Premises)
$300,000
Medical Expense Limit
$5,000
Liability Deductible
NO DEDUCTIBLE
Liquor Liability Aggregate Limit
$2,000,000
Liquor Liability Per Occurrence Limit
$1,000,000
Why Event Bartenders & Caterers Choose FLIP
Here's what FLIP customers say about their experience from over 300+ available reviews.
FAQs About Liquor Liability and Event Insurance
Do I Need Liquor Liability Insurance for a One-Day Event?
Yes. If your business sells or serves alcohol at a one-day event, you typically need liquor liability insurance to help cover alcohol-related claims, like third-party injuries or property damage.
FLIP offers liquor liability insurance for events lasting up to 3 days, so you’re covered for the event, setup, and teardown activities.
Can I Get a Certificate of Insurance (COI) for Event Liquor Liability Insurance?
Yes. After you buy an event liquor liability insurance policy with FLIP, you can immediately access and download your certificate of insurance (COI) online and share it with a venue, client, or event organizer.
Do I Need General Liability and Liquor Liability Insurance for an Event?
You need both general liability and liquor liability insurance if you are serving or selling alcohol at an event. General liability insurance helps cover third-party injuries and property damages caused by your business, while liquor liability is specifically designed for alcohol-related claims.
With FLIP, food and beverage businesses must have an active general liability policy to qualify for event liquor liability coverage.
Do I Need Insurance to Bartend a Private Event?
Yes. Bartenders working private events need liquor liability insurance because they can be held responsible for alcohol-related claims if a guest they served causes injury or property damage.
Requirements vary based on your state’s dram shop laws and the event contract. Many venues also require proof of liability insurance before the event.
Do Caterers Need Liquor Liability Insurance if They Serve Alcohol?
Caterers need liquor liability insurance if they serve alcohol or include alcohol service in their catering packages. Otherwise, you won’t be covered for alcohol-related claims under your general liability policy.
If you are catering a single event, event liquor liability insurance may be enough. If you serve alcohol at multiple events throughout the year, annual liquor liability coverage may be the better fit.