You may be wondering which policy is right for you. We’ve answered some commonly asked questions to help you choose which type of insurance works for your situation.
Read on to learn more about host liquor and liquor liability.
Liquor Liability Insurance
Who does liquor liability cover?
Liquor liability insurance is an annual or short-term policy available for hired professionals who serve alcohol as a business such as, bartenders, caterers, chefs and food vendors.
When should I buy my liquor liability policy?
Purchase your liquor liability policy prior to your event. If you have put off purchasing your liquor liability insurance policy until the last minute, our trusted partner, Food Liability Insurance Program (FLIP) allows you to purchase and download your documents immediately. We recommend looking into your state’s requirements and finding out if dram shop laws apply to you prior to serving alcohol to any patrons.
However, even if your state does not have dram shop laws, you could still be sued if your service of alcohol resulted in a patron causing bodily injury or property damage.
What are the coverage limits and deductible for liquor liability?
You can choose between three limit options in the application. Just so you are aware—as you select higher limits the price of your policy will increase as well.
Please visit our trusted partner, the Food Liability Insurance Program (FLIP) for more information on liquor liability insurance.
Do I need general liability coverage to purchase a liquor liability policy?
Yes. In order to carry a liquor liability policy, you must have an active general liability policy in place. If you do not already have general liability coverage, FLIP offers general liability insurance for both annual and event policies.
How much does a liquor liability policy cost?
Liquor liability pricing varies based on your gross sales, coverage limits, your state’s regulations and whether or not you decide to add endorsements. Our trusted partner, Food Liability Insurance Program (FLIP) offers a 1-3 day liquor liability only policy starting at $99 or an annual liquor liability only policy starting at $199. For general and liquor liability policies, they offer 1-3 day policies starting at $128 and annual policies starting at $498.
Does Canopy offer liquor liability?
Unfortunately, we do not offer liquor liability. However, you can visit our trusted partner, FLIP for more information on liquor liability.
Host Liquor Insurance
Who does host liquor cover?
Host liquor liability is a short-term insurance option for people who host private functions such as corporate events, weddings, birthday parties, and luncheons. Many people may not realize they could be held liable for property damage or bodily injury that is caused by their guests if they provided their guests with alcohol.
When should I buy my host liquor policy?
For your policy to be in force, you must purchase your host liquor insurance before your event starts. However, the great thing about our host liquor policy is if you have put off purchasing your host liquor insurance policy until the last minute, you can purchase and download your documents immediately. Please click here for more information.
What are the coverage limits and the deductible for host liquor?
At Insurance Canopy, our limits are:
- General Liability + Host Liquor Limits
- General + Host Liquor Aggregate Limit $2,000,000
- Products & Completed Operations Aggregate $2,000,000
- Personal & Advertising Injury Limit $1,000,000
- Each Occurrence Limit $1,000,000
- Damage to Premises Rented to You $300,000
- Medical Expense Limit (Any One Person) $5,000
- Deductible $0
How much does a policy cost?
A host liquor liability insurance policy starts at $159 per event.
What is excluded from the policy?
- Any event or show that runs past 2 a.m.
- Any event or show at an exotic/adult venue or with exotic/adult dancers present
- Directing, organizing, planning, promoting, or sponsoring an event or show
- Events or shows promoted as trance type music shows
- Fireworks or pyrotechnics of any kind
- Events or shows taking place at secret venues
- Raves or rave-like events or shows
- Squat parties
Have peace of mind at your next event and purchase a host liquor liability insurance policy today!