Liquor Liability Insurance for Weddings
*Prices vary by state
Wedding Liquor Liability Insurance Coverage Details
Basic Coverage Limits Shown Below
The most your policy will pay for bodily injury and property damage claims that you become legally obligated to pay.
$2,000,000
The maximum amount your policy will pay for bodily injury and property damage claims that result from the products you use to perform your services. However, it does not cover your products that are sold or distributed.
The amount that your policy will pay for claims arising out of one or more of the following offenses: – False Arrest, detention or imprisonment
– Malicious prosecution
– Wrongful Eviction or Wrongful Entry
– Oral or written publications that slander or libels a person or organization
– Oral or written publication or material that violates a person’s right of privacy
– The use of another’s advertising idea in your advertisement.
$1,000,000
The maximum the insurance carrier will pay for a bodily injury or property damage claim that you become legally obligated to pay.
$1,000,000
Applies to damage by fire to premises rented to the insured and to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.
$100,000
Reimburses others, without regard to the insured’s liability, for medical or funeral expenses incurred by such persons as a result of bodily injury (BI) or death sustained by accident under the conditions specified in the policy.
$5,000
What Is Wedding Liquor Liability Insurance?
Wedding bartender liquor liability insurance is designed to protect businesses that provide alcohol at weddings through an event liquor liability policy.
It is recommended that in addition to your liquor liability policy, you add general liability insurance. If you already have a general liability policy, you can add a wedding bartender liquor liability insurance policy.
According to Alcohol.org, 53% of Americans prefer boozy weddings instead of dry ones, and according to The Knot, Americans spend an average of $2,400 on alcohol for their weddings. Needless to say, selling alcohol at weddings can be very profitable for your business, but it’s important to protect those profits with alcohol liability insurance.
Who Needs Liquor Liability Insurance for Weddings?
If you own a business that sells alcohol at weddings (like a mobile bartending or catering business) then you need liquor liability insurance to protect your finances from expensive alcohol-related claims.
However, if you are hosting a wedding and providing or serving alcohol, you will need a host liquor liability policy instead.
What Are Some Examples of Wedding Liquor Liability Claims?
Serving alcohol always involves risks, and doing so at a wedding is no different. Below are a few examples of claims you may face:
- One of the guests has too much to drink before driving home and causes a car accident that results in serious injuries to them and the people in the other car.
- While pouring some wine, your employee accidentally spills it on the venue’s carpet. The venue then holds you responsible for replacing the carpet.
- The groom’s brother drinks more than he should and loses his balance while dancing, crashing into a table and breaking it. The venue holds you responsible to pay for the damages because you served him alcohol.
Some venues may require you to have wedding liquor liability insurance. If you plan on hosting an event or serving alcohol at a wedding, make sure you double-check with the venue on what they require you to have in order to serve alcohol.
Even if your venue doesn’t require liquor liability insurance, we still recommend that you add alcohol insurance for weddings. By adding it to your general liability insurance policy, you can avoid steep claims costs.
What Does Wedding Liquor Liability Insurance Cover?
How Much Does Liquor Liability Insurance Cost for Weddings?
Our wedding alcohol insurance base policy price starts at $275 for up to 3 days of coverage. Even if the wedding only takes place over the course of a day, the 2 extra days of coverage ensures you are protected during set-up and teardown days.
The number of people attending the event, the location, and how long you’ll be serving are all factors that may affect the cost of liquor liability insurance for weddings.
How to Get Wedding Liquor Liability Insurance
You can add alcohol insurance for weddings to your policy in four simple steps:
- Log in to your user dashboard
- Click “Add A Policy”
- Choose which liquor liability policy you want
- Enjoy instant coverage for your event
Liquor Liability Insurance
Does your business sell or serve alcohol year-round? Learn more about our annual liquor liability policy and get the protection your business needs.
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