Event Liquor Liability Insurance

1–3 Days

$275*

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Same-Day Coverage

Get instant, 24/7 online access to your policy documents, certificates of insurance, and agent support. If you need supplementary coverages, additional insureds, or increased limits, you can also add them all from your user dashboard. With Insurance Canopy’s alcohol insurance for events, you have complete control of your policies.

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Protection Against Costly Claims

Even one liquor liability claim could cost your business hundreds of thousands of dollars in out-of-pocket costs such as attorney fees and medical expenses. Not to mention running your business without insurance could damage your reputation. Our insurance is designed to help mitigate or even eliminate claim-related expenses that stem from serving alcohol at events.

High-Quality, A+ Rated Liquor Insurance for Events

Insurance Canopy’s Event Liquor Liability Insurance is A+ rated by AM Best and protects your business through general liability insurance and liquor liability insurance. With limits of up to $2,000,000, you can rest assured knowing your business is covered.

Event Liquor 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.

$1,000,000

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

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What Is Event Liquor Liability Insurance?

Event liquor liability insurance protects your business if you were hit with an alcohol-related claim from an event where your business sold or served alcohol.

For example, a guest at your event might have had too much to drink, become intoxicated, driven off, and gotten into an accident that caused serious injuries. You could then be held responsible for thousands of dollars in medical fees and expenses because you served them alcohol.

If you are hosting an event that involves alcohol but you are not serving, selling, or furnishing the alcohol yourself, host liquor liability coverage is a better fit for you. However, if you serve alcohol at parties or bartend at events then you need event liquor liability insurance.

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What Does Event Liquor Liability Insurance Cover?

Event liquor liability insurance protects bartenders, caterers, or any business owner who provides alcohol as part of their business against liquor-related claims, such as an intoxicated customer driving away from the party and causing an accident that results in serious injuries. It can also include party hosts, such as a bride and groom, or various types of parties such as corporate dinners or luncheons.

We also offer an Assault and Battery Endorsement, which is available to add to your policy during checkout and protects you in case a customer becomes intoxicated and starts a fight with another person.

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Who Is Liable For Alcohol-Related Claims At An Event?

Event hosts or business owners who serve alcoholic beverages are held liable for alcohol-related claims.

Some venues may even require you as the host to have insurance. Even if it isn’t outright required, you should add event liquor liability insurance to your policy before hosting the event to avoid paying thousands for claims.

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How Much Does Liquor Liability Insurance for Events Cost?

The cost of insurance for serving alcohol at events starts at $275 for up to three days of coverage. The price of event liquor insurance is affected by the number of people attending the event, the length of the event, and venue requirements.

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How to Get Liquor Liability Event Insurance

Protect your business in three simple steps:

  1. Start the application process
  2. Fill out the necessary information
  3. Choose your insurance effective date

Need Year-Round Liquor Liability Insurance?

In addition to event liquor liability coverage, we also offer an annual Liquor Liability policy to cover your business long-term.

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