Liquor Liability Insurance

Liquor liability insurance that can protect your business faster than you can say “Shaken, not stirred.”

STARTING AT

$33.42

Per Month

Who We Insure

Bartenders

Mobile Bartenders

Caterers

Dram Shop Law

Wedding Caterers

Event Hosts

If you don’t see your business listed, feel free to contact us for more information.

Claims Could Cost You Thousands

The average claim cost for a small bar range is $200 to $2250. However, it can be higher or lower depending on the type of claim. Another fee associated with liquor liability claims includes attorney fees. A quality attorney can cost anywhere from $100 to $400 per hour

Group of people clinking glasses at party
A rowdy group of spring breakers imbibes one too many tequila lime shots and get into a brawl. Someone gets shoved into your vintage jukebox and cracks the glass. You throw them out of your establishment but now are left with the property damage fees. Liquor liability insurance can help repair or replace damaged equipment. 
It’s the bride’s bachelorette party and the bedazzled group has taken wine drunk to a whole new level. Things start to get out of hand and a wine glass is knocked off the hightop. It shatters and injures the bride. She sues you for her injuries. Your liquor liability insurance policy can protect you from third-party bodily injury claims.
Group on bachelorette trip pouring wine into glasses
Group celebrating the new year with drinks and sparklers

The ball dropped on New Year’s Eve and, unfortunately, not every guest at the party hosted by your restaurant called a ride share. An intoxicated guest leaves and causes an injury accident right outside your restaurant. Your liquor liability insurance can protect you from the financial fallout associated with this claim. 

You're In Good Company With Insurance Canopy

Here's what some of our over 14,700 customers have to say about their experience.

John Togado
John Togado
"Fast Great Reasonable Coverage Price!!!! Very helpful to all who needs insurance right away and to any type of business who has to comply with proof of insurance. it's simple straightforward application available online. I would highly recommend this insurance. "
Bill Ladwig
Bill Ladwig
"Simple and easy on line process and I saved money compared to a large nationally known insurer."

Katie Gustafson
Katie Gustafson
"Rates were very competitive and I had great help when I called with questions. The application was fast and easy to fill out online. I haven’t had to file a claim, but so far so good!"
Mike Cruz
Mike Cruz
"Amazing service. Very fast, straightforward and helpful. Thank you for providing me with the necessary insurance coverage for my company and equipment."

Roberto Oliveras
Roberto Oliveras
"They did actually do a great job at establishing my policy quickly and answering my questions by phone. Would recommend to others."

Coverage Details

*Pricing varies depending on limits selected.

Liquor Liability Limits Options

Occurrence Limit*

$100,000 – $1,000,000

Aggregate Limit*

$300,000 – $2,000,000

General Liability Limits

Products & Completed Operations Aggregate

$1,000,000

Personal & Advertising Injury

$1,000,000

Each Occurence Limit

$1,000,000

Damage to Premises Rented to You

$100,000

Medical Expense Limit

$5,000

Have questions?

Our licensed agents are available to answer any questions you may have. (se habla español)

Get Insurance Today

What Is Liquor Liability Insurance?

Liquor liability insurance protects your business from the costs of liquor-related claims if you sell, furnish, or serve alcohol. These costs can be thousands of dollars or more and have the potential to financially devastate your business. 

Why Do I Need It?

If you want to avoid the financial strain that can come from claims, portray your business as a licensed and insured business, and protect yourself from expensive lawsuits, then you need liquor liability insurance. Liquor liability insurance can protect your business from financial fallout. Claims are already expensive, but alcohol-related claims can be even more so. Liquor liability insurance can mitigate or even eliminate the out-of-pocket costs that come with liquor-related claims. 

Liquor Liability Insurance

Your business deserves good coverage – protect your business with liquor liability insurance today.

What kind of work do you do?

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    Exclusions

    This policy is not designed to cover:

    • Industrial control engineers
    • Defense contractors
    • Medical software companies
    • Crypto exchanges
    • Gambling platforms
    • Physical security system installers
    •  Heavy equipment integrators

     

    Not available if you manage or control systems involving:

    • Pressure or ventilation systems
    • Fire suppression or explosives
    • Hazardous materials
    • Radiation or pharmaceuticals
    • Water supply or waste management
    • Energy, fuel, mining, construction
    • Environmental systems
    • Aircraft, drones, spacecraft
    • Watercraft, trains, automobiles, motorcycles
    • If you build firmware or embedded software controlling industrial physical equipment.
    • If you support:
    • Military operations
    • National defense
    • Homeland security
    • Law enforcement
    • Weapons
    • Anti-terrorism
    • Public safety
    • Surveillance
    • Crime detection
    • Emergency response
    • Physical security systems
    • If more than 25% of your revenue comes from:
      • Federal government work
      • Military or defense operations
    • If more than 50% of your revenue comes from:
    • Equipment installation
    • Maintenance
    • Physical service work



    Restricted if you work in:

    • Ride-sharing platforms
    • Equipment sharing platforms
    • For-rent-by-owner platforms
    • Help-for-hire platforms
    • Delivery services
    • Banking or financial services
    • Cryptocurrency / blockchain / NFTs
    • Geospatial mapping / aerial photography
    • GPS systems
    • Gambling or gaming
    • Dating or sexually suggestive content
    • Violence-related content
    • Alcohol, marijuana, CBD
    • Tobacco / nicotine / e-cigarettes
    • Flammable or electrical products
    • Food-related services

    Our licensed, U.S.-based agents are here for you from 8 a.m. to 8 p.m. Eastern, Monday through Friday, so they can enjoy evenings and weekends with the people who matter most.