Does My Business Need Liquor Liability Insurance?

The majority of commercial general liability policies provide "host liquor responsibility." If you provide alcohol at a social gathering where the guests aren't paying, that covers you. For example, an open house or a special function with refreshments. Granted, you may still be held liable for the consequences of the alcohol you supply. However, you may not require additional coverage.
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If you are a business that manufactures, serves, sells, or distributes alcohol, you need Liquor Liability Insurance. Liquor Legal Liability Insurance from our agency Services provides the needed coverage to keep you protected. Alcohol creates real and significant exposures for restaurants, bars, taverns, and hotels. These operations develop a large percent of revenue from sales of alcohol products.
Liquor Liability provides insurance for bodily injury or property damage for which you may become legally liable due to contributing to a person's intoxication. Liquor Liability Insurance is usually provided under a separate policy and is intended to cover firms that are in the business of manufacturing, selling, distributing, or serving alcohol.

Who Should Consider Liquor Liability Insurance?
If you are in any of the following businesses, we recommend Liquor Liability Insurance:

• Restaurants
• Bars & Taverns
• Night clubs
• Special Events
• Casinos
• Sports Facilities & Complexes
• Catering Companies
• Liquor Stores
• Wineries
• Fraternal Organizations
• Distributors & Manufacturers
• Convenience Stores

 
Our agents will shop the market for you and get the best possible coverage and competitive premiums. We can create and deliver risk management and insurance solutions to fit your unique insurance needs. The result will be a more productive workplace, confident and secure workers, and an improved bottom line.

You deserve an advisor who values relationships, integrity, and the ability to solve problems. Your total cost of risk affects your profitability. We Understand Why.