LIQUOR LIABILITY INSURANCE
Serving delicious drinks is the center of your business. Serving high-quality liquor liability insurance is the center of ours. Protect your alcohol-serving business from the cost of claims and continue running your business with peace of mind. *The cost of liquor liability insurance varies by state.
Customize Your Policy
With A+ rated general liability insurance from AM Best, liquor liability, and more options for additional coverage, you can create a comprehensive coverage plan according to your business needs!
Annual & Event Coverage
Whether you need annual insurance protection or are simply looking for a short-term event policy, FLIP has the coverage you need to protect your business.
Quote-Free Online Process
FLIP’s quote-free online process takes less than ten minutes and gives you instant access to your policy information via our online user dashboard.
What Is Liquor Liability Insurance?According to United States dram shop laws, your business could be found liable to pay for accidents caused by your patrons. These accidents can cost hundreds of thousands of dollars—or more in cases concerning death or serious injury—and damage your reputation. Liquor liability insurance can protect your business from alcohol-related accidents. It mitigates, and often eliminates, the out-of-pocket cost of claims and allows you to continue running your business with peace of mind.
Liquor Liability Coverage Details
With FLIP, you can protect your alcohol-serving business with up to $2 million in A+ rated coverage for general liability and up to $300K in liquor liability coverage—not to mention $10K in business equipment coverage. If you need more coverage, don’t worry! We provide additional limits and policy options to fit your business needs.
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 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 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 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
Event General + Liquor
FAQ's About Liquor Liability Insurance
What Is Liquor Liability Insurance?
Liquor liability insurance is a liability insurance policy designed to protect businesses from the risks associated with serving and furnishing alcohol.
According to dram show law, alcohol-serving businesses can be held liable for accidents caused by their patrons. In the event of an accident, your business could face claims costing upwards of hundreds of thousands of dollars, especially in the event of death or serious injury.
Liquor liability insurance can mitigate the out-of-pocket costs your business may be required to pay if faced with a liquor liability claim, allowing you to continue running your business with peace of mind.
Do I Need Liquor Liability Insurance?
Yes. As a business in the food industry, your bakery has risk. Bakers insurance can protect your business from expenses that arise as a result of injury, property damage, broken or stolen property, and more as a result of your business operation. Without insurance, these expenses could be financially crippling and even cost you your business. It is also vitally important to protect your business and bakers insurance is designed to do just that!
Why Should I Carry Liquor Liability Insurance?
According to your state’s dram shop law, you may be legally required to have liquor liability insurance. Even if your state does not require you to have insurance, there are still good reasons why you should get covered. If an accident were to occur involving your business or your patrons, like an intoxicated customer falling and injuring themselves or causing property damage, or causing an accident that hurts or kills someone else, you could be held liable to pay hefty expenses. FLIP’s liquor liability insurance can reduce the cost of insurance claims that could otherwise financially devastate your business.
How Much Does Liquor Liability Insurance Cost?
The cost of liquor liability insurance varies by state and the individual coverage 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.
How Much Liquor Liability Insurance Do I Need?
The amount of liquor liability insurance you need depends on the operations of your business.
If you have a bar at your restaurant that operates year-round, you will want annual liquor liability insurance so that you have continuous coverage in the event of a claim happening. If your business only offers alcoholic beverages at events here and there, you do not need annual liquor liability insurance and instead would want an event liquor liability insurance policy.
FLIP liquor liability offers several different limits and coverages, giving you the ability to cater your insurance to your unique business needs.
Do I Need Liquor Liability Insurance?
Yes. In many states, businesses whose services include serving or furnishing alcohol, are required by law to have liquor liability insurance. However, even if your state does not require you to purchase insurance, you still need to protect your business. Businesses that serve alcohol face a unique set of risks that can cost you thousands of dollars in fees, bills, and other expenses if your business were ever involved in an accident.
Liquor liability insurance is designed to protect your business from the risks associated with your industry, meaning it can reduce the out-of-pocket cost you may be required to pay should an accident occur.
What Is Included In Liquor Liability Insurance?
FLIP provides several coverage options for businesses depending on their insurance needs. Our base policy includes up to $2 million in coverage for general liability and up to $300K in liquor liability coverage as well as $10K in business equipment coverage. Liquor liability only policies are also available for businesses that already have a FLIP general liability policy. For businesses participating in events, we provide 1–3 day event policies with general and liquor liability or liquor liability alone.
If your business requires more coverage, additional policy options are available according to your business needs, including increased limits for general and liquor liability, assault & battery coverage, and cyber liability insurance.
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