Liquor Liability Insurance
Your choice for peace of mind, affordability, and a protected business.
Choose the Right Liquor Liability Coverage Plan for Your Business
Platinum
General Liability + Liquor Liability Annual Policy
This liquor insurance coverage applies to caterers, food trucks, concessionaires, and 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: $25,000 limit
Trailer Endorsement
Professional Liability
Inland Marine (Tools & Equipment)
Starts at $429/Year
Gold
Liquor Liability Annual Policy
This alcohol liability policy fits caterers, food trucks, concessionaires, private chefs, and 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: $25,000 limit
Starts at $200/Year
Silver
General Liability + Liquor Liability Event Policy
This event alcohol insurance policy is ideal for caterers, food trucks, concessionaires, private chefs, and 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
Liquor Liability Event Policy
This liquor liability insurance for events is ideal for caterers, food trucks, concessionaires, private chefs, and 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 Liquor Liability Insurance
No-Pressure Online Purchase
Buy in less than 10 minutes without talking to an agent or waiting for a quote.
Customizable Policy
Personalize your liquor insurance coverage to fit your business needs.
Professional Protection
Perfect peace of mind so you can run your business without worry.
Automatic Proof Of Insurance
Immediate access to your Certificate of Insurance when you purchase your policy.
Liquor Liability Insurance, or alcohol liability insurance, provides a safety net of coverage for businesses that serve or furnish alcohol.
An example of a Liquor Liability claim could be an intoxicated customer who causes an accident resulting in injury as they’re leaving your business. Claims can also include a customer who gets into a brawl with another customer or a minor becoming intoxicated.
Liquor insurance can mitigate the out-of-pocket costs your business may be required to pay if faced with a claim.
Food Liability Insurance Program (FLIP) offers 4 different insurance policies that each start at different prices:
Liquor Liability Event Policy – Starts at $105/Event General Liability
General Liability + Liquor Liability Event Policy – Starts at $134/Event
Liquor Liability Annual Policy – Starts at $200/Year
General Liability + Liquor Liability Annual Policy – Starts at $429/Year
In order to purchase a Liquor Liability policy, you need a separate or existing General Liability policy. The cost of liquor liability insurance can change depending on if you have an event policy or annual policy as well as the following factors:
- Limits you select
- State(s) you operate in
- Gross business revenues
- Length of coverage
- If you have an existing General Liability Insurance policy
You can get Liquor Liability Insurance or Liquor Liability Event Insurance online through FLIP in 10 minutes or less. Simply select the policy that best suits your business and choose your start date.
While it’s best to purchase Liquor Liability Event Insurance once you’ve been booked for an event, it’s not too late to get coverage. You can make your policy effective the day you purchase it.
Learn More About Liquor Liability Insurance
Liquor Liability Insurance Coverage Details
General Liability
Aggregate Limit: $2 Million
Protects your business from third-party bodily injury and property damage claims that arise as a result of your business operation. It can also protect against claims regarding your products or food you serve, and personal and advertising injury.
Liquor Liability
Aggregate Limit: $2 Million
Protect your business from third-party Liquor Liability claims arising from accidents caused by or involving individuals you served alcohol to. Common claims include but are not limited to bodily injury of the customer, individuals, or property damage caused by the intoxicated individual.
Inland Marine (Tools & Equipment)
Aggregate Limit: $10,000
Protect your business from out-of-pocket expenses that arise from repairing or replacing damaged or stolen business equipment. Your equipment is protected in the event of a covered claim: fire, lightning, windstorm, vandalism, etc., and anywhere you operate your business.
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
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: $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
Cyber security 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 cyber crime.
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Liquor Liability Insurance helps cover claims caused by alcohol, like:
- A customer consumes one too many vodka highballs and the next thing you know he’s started a barroom brawl and you have injured customers.
- A customer getting wine-drunk and then driving away from the party only to cause a pedestrian accident.
- An intoxicated customer smashing your vintage jukebox machine after tossing back too many of those fruity little drinks.
Event Liquor Liability Insurance may help cover alcohol-related claims at weddings and other events, such as:
- An intoxicated bridesmaid drives home from the wedding and causes an accident resulting in injury on her way home.
- One wedding guest enjoys the open bar a bit too much and starts a fight with another guest (our optional Assault & Battery coverage can help cover these costs).
- A guest at a retirement party gets carried away after too many glasses of wine and spills their drink on the carpet, damaging the venue.
Alcohol vendors including but not limited to the following need liquor liability insurance:
- Dram shops
- Caterers who bring alcohol to parties/events
- Bartenders for hire
- Food trucks that serve local beer on tap
- Personal chefs
Liquor vendors face unique alcohol-related risks and need the protection of Liquor Liability Insurance.
The amount of Liquor Liability Insurance you need depends on the operations of your business. The limits start out at $100,000 per occurrence and $300,000 per aggregate. However, these limits can be increased to $250,000 per occurrence and $500,000 per aggregate or $1 million per occurrence and $2 million aggregate.
If you have a catering business that sells alcohol year-round, you will want annual Liquor Liability Insurance so that you have continuous coverage in case a claim happens.
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.
Liquor Liability offers several different limits and coverages, giving you the ability to cater your insurance to your unique business needs.
As a food business that serves alcohol, you face a lot of risks. Liquor Liability Insurance can protect your business from expenses that arise as a result of:
- Injury
- Property damage
- Accidents caused by someone you served alcohol to
- And more as a result of your business operation.
Without insurance, these expenses could be financially crippling and even cost you your business.
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.
Liquor Liability Insurance can reduce the cost of insurance claims that could otherwise financially devastate your business.
Liquor Liability Insurance is the protection of General Liability insurance if you serve alcohol. So if your woodfired pizza restaurant serves cocktails during happy hour, you would need a Liquor Liability policy in addition to your General Liability policy in order to be fully protected from the consequences of claims.
A General Liability Insurance policy protects you against third-party injury and property damage claims but cannot protect you from alcohol-related claims.
Your business would need to list a landlord, event organizer, or property owner as an additional insured in order to extend your insurance protection to them. This protects the additional insured in case you cause any damage to their property such as spills or accidents. It is standard practice to list landlords or event organizers as an additional insured.
