Liquor Liability Insurance for Caterers
Coverage protecting caterers who serve alcohol
*Prices vary by state
Protect Your Catering Company
Liquor Liability Insurance can shield your business from the out-of-pocket cost of lawsuits, legal claims, and damages that can arise from selling or serving alcohol as part of your business operation.
Comprehensive Coverage
With general and liquor liability, as well as additional policy options for additional coverage, you will be able to customize your policy to include the exact coverage your catering company needs.
Shield Your Catering Business From Costly Claims
If you serve alcohol at your catering gigs, you could be held liable to pay for accidents caused by individuals to whom you served. This insurance coverage can protect your business from the hundreds of thousands of dollars in out-of-pocket costs that could arise from a liquor liability claim.
Catering Liquor Insurance 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 and Completed Operations Aggregate
$1,000,000
Personal and Advertising Injury
$1,000,000
Each Occurrence Limit
$1,000,000
Damage to Premises Rented to You
$100,000
Medical Expense Limit
$5,000
Do I Need Liquor Liability Insurance for My Catering Business?
If you run a catering business that serves alcohol, you should carry catering liquor liability insurance. It protects you and your business from being responsible for the cost of claims arising from a multitude of scenarios.
For example, a customer drinks too much alcohol, drives away from your restaurant, and then gets into an accident that creates severe injury. The price of that claim could be tens of thousands of dollars.
Aside from expensive claims, protecting your business with catering liquor liability insurance boosts your credibility and professionalism and thus can increase your bookings. When accidents happen, insurance shows that you are prepared.
What Does Liquor Liability Insurance for Caterers Cover?
Alcohol catering insurance can shield you from the following claims that occur quite frequently and can be very expensive:
- Accidents involving customers to whom you served alcohol
- Customers getting injured as a result of your catering business operation
- Property damage caused by your business or by an intoxicated customer
- Fights or threats taking place between patrons
How Much Does Liquor Liability Insurance For Caterers Cost?
Costs can change according to the state your business operates in, the limits you select, and the nature of your business (services provided, gross liquor sales, etc.). Starting rates for plans including general and liquor liability can on average cost as low as $550 per year or $35.42 per month.
Claim Examples You Could Face
Example 1:
A wedding guest was served alcohol and lost control of his vehicle, which resulted in serious injuries to several of his passengers. Damages due to negligent service reached over $1,000,000 and expense costs were $62,000.
Example 2:
A food caterer served alcohol and one of the guests was in a car accident. His passengers were paralyzed and suffered severe injuries. The claim for negligent service reached $500,000 and expense costs exceeded $70,000.
Example 3:
At a holiday party, a guest lost control of her vehicle and hit a tractor trailer. The tractor trailer driver sued and won $300,000 for negligent service.
Questions About Liquor Liability Insurance for Caterers
What Is Liquor Liability Insurance?
Liquor liability insurance, otherwise known as alcohol liability insurance, is designed to protect businesses that serve or furnish liquor from costly claims.
According to your local Dram Shop law, your catering business could be held liable for accidents, injuries, and other damages caused by individuals you served alcohol to.
Alcohol-related claims can be expensive, often costing businesses hundreds of thousands of dollars. Liquor liability insurance is designed to reduce the out-of-pocket cost your business may be required to pay without coverage.
Insurance Canopy’s liquor liability insurance for caterers includes general and liquor liability as well as additional policy options to protect your company for the variety of claims it could face.
Do I Need Liquor Liability Insurance?
Yes. Depending on the state, if your catering business sells or serves alcohol, you may be required by law to protect your business with liquor liability insurance. However, even if you are not required to have insurance, there are many benefits that come from covering your business.
As a business that serves alcohol, you could be liable to pay for damages caused by individuals you served alcohol to, especially visibly intoxicated persons and minors. With this coverage, you can financially protect your business should an accident occur.
What Claims Are Covered by Liquor Liability Insurance?
Liquor liability insurance can protect your business from claims that arise from accidents, injuries, and other damages caused by individuals to whom you served alcohol. You could be required to pay upwards of hundreds of thousands of dollars as a result of a liquor liability claim.
In addition to liquor liability claims, your business could also face third-party bodily injury and property damage claims.
With general and liquor liability coverage, Insurance Canopy has you covered for many of the risks associated with running a business that serves alcohol.
Need additional information before making a decision?
Give our team a call today at 844.520.6993
Liquor Liability for Caterers
Running a catering business can be fun, but paying for liquor liability claims sure isn’t. Don’t let your business be halted by the financial burden of claims. Protect your catering business today with Insurance Canopy’s liquor insurance for caterers.
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