Wedding Liquor Liability Insurance
Don’t let an alcohol-related claim crash the party! Get liquor insurance for wedding bartenders and caterers from Food Liability Insurance Program (FLIP) online in just a few clicks.
Benefits of Wedding Liquor Liability Insurance
Discover the perks of getting this essential coverage from FLIP.
Top-Shelf Coverage
Enjoy A+ rated liquor liability insurance bundled with general liability to shield you from the most common risks.
100% Online Process
Our easy online application helps you get your policy in less than 10 minutes — all without needing to speak with an agent (unless you want to).
Flexible Payment Options
Choose between monthly or annual payments — choose which works best for you.
What Is Liquor Liability Insurance for Weddings?
Wedding liquor liability insurance is designed to protect businesses like bartenders and caterers from alcohol-related claims if an intoxicated guest causes bodily harm or property damage to someone else.
Many states have dram shop laws that hold alcohol-serving businesses responsible for the actions of their intoxicated patrons. Even if you live in a state without these regulations, you can still be sued over these damages and left to pay thousands (or even millions) of dollars out of pocket.
Liquor liability insurance can cover related expenses, like:
- Medical bills
- Attorney’s fees
- Settlements
- Property repairs/replacements
It’s an essential coverage that can save you from a huge financial burden if something goes wrong, allowing you to keep your business running smoothly.
Who Needs Liquor Insurance for Weddings?
If you serve or provide alcohol at weddings or other events, you need this coverage. This includes bartenders as well as wedding caterers who offer alcohol services.
General liability insurance excludes any alcohol-related claims from coverage. If a bridesmaid drives home drunk and causes a car accident, your general liability policy wouldn’t pay for any expenses you’re held liable for because alcohol was involved.
That’s why your business needs both general and liquor liability to shield you against third-party claims, whether or not they are related to alcohol consumption.
Your state may also require you to purchase liquor liability insurance before issuing a liquor license. Additionally, many venues and event organizers will ask to see proof of your coverage when you apply to become a preferred vendor.
How Much Does Liquor Liability Insurance Cost for a Wedding?
FLIP’s comprehensive wedding bartender insurance policy starts at $37.75 a month or $453 a year. It includes general and liquor liability insurance to give your business well-rounded protection against common claims.
If you already have a base FLIP general liability policy*, you can add liquor liability coverage starting at $25 a month or $300 a year.
We also offer short-term event liquor liability coverage if you only serve alcohol at one event per year, starting at $100 for a 1–3 day event.
Learn what other factors can affect the cost of liquor liability insurance, plus tips for keeping your premium low.
*You must have an active general liability policy to purchase liquor liability insurance.
Why FLIP for Wedding Bartender Insurance?
We know you’re busy booking gigs and serving drinks — that’s why we make it easy to get the affordable coverage you need 100% online.
With FLIP, bundling liquor liability insurance with your general liability policy is simple and convenient. You can also customize your policy to suit your needs with add-on coverages, including:
- Assault and Battery
- Cyber Liability
- Professional Liability
- Tools and Equipment (Inland Marine)
- Workers Compensation
From the first dance to the final toast, safeguard your business against claims with wedding liquor liability insurance from FLIP!
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FAQs About Wedding Liquor Liability Insurance
Do I Need Liquor Liability Insurance for Weddings If My Clients Provide Their Own Alcohol?
If you provide bartending services, you need liquor liability insurance, even if your clients provide the alcohol. Anyone who serves alcohol at a wedding or other event can be held liable for damages caused by intoxicated guests.
Does Liquor Insurance for Weddings Cover Alcohol-Related Accidents That Happen After the Event?
Yes. Liquor liability insurance can cover incidents that occur after the wedding, such as a car accident caused by an intoxicated guest.
How Much Wedding Liquor Liability Coverage Do I Need?
Most businesses need a $2,000,000 aggregate limit for liquor liability insurance, which FLIP’s policy includes.
Does Liquor Liability Cover Beer and Wine?
Yes, liquor liability insurance covers alcohol-related claims caused by the consumption of beer and wine, as well as liquor.
Are There Any Restrictions On Where I Can Serve Alcohol With This Insurance?
FLIP does not offer liquor liability coverage in the following states:
- Alabama
- Alaska
- District of Columbia
- Hawaii
- Iowa
- Kentucky
- New Hampshire
- Pennsylvania
- Vermont
- West Virginia
What Is the Difference Between Host Liquor Liability and Bartender Liability?
Host liquor liability refers to when a person or company not in the business of selling or serving alcohol is held financially responsible for an accident caused by an intoxicated guest at their event.
It differs from bartender liability because bartenders are in the business of selling and serving alcoholic beverages, so they need liquor liability insurance.
