Liquor Liability Insurance

Protect your business with liquor liability insurance faster than you can say mimosa.

* Prices vary by state

Affordable Liquor Liability Coverage

Whether you sell, serve, or furnish alcohol, we are here to help you keep the drinks flowing.  Our comprehensive liquor liability insurance policies are designed to protect you against the financial burden of claims. 

Don’t see your industry listed? Don’t worry, we may still be able to cover you. Give us a call to speak with one of our experienced agents and get a tailor made policy for your specific business needs.

What Is Liquor Liability Insurance?

Liquor liability insurance, is a liability insurance plan designed to protect businesses from the risks of selling, serving, and furnishing alcohol. Risks can include a customer imbibing too much alcohol, driving away, and then getting into an accident that results in extensive injury. Claims and risks such as these can result in tens of thousands of dollars in expenses and fees. Expenses and fees that you could have to pay entirely out-of-pocket, without liquor liability insurance., you could have to pay entirely out-of-pocket. 

How Much Does Liquor Liability Insurance Cost?

The cost of liquor liability insurance varies by state. Insurance Canopy’s base liquor liability plan includes both general and liquor liability coverage, damage to premises rented coverage, and tools and equipment coverage. Depending on your state, it could cost as low as $399 a year or $33 a month if you choose monthly billing.

If you already have a general liability plan from Insurance Canopy, you may also add liquor liability coverage. The price adding this coverage to an existing plan varies by state.

You can receive an accurate, instant, online quote based on your state by following the link below. No agents, no hassle, and—most importantly—no wait.

Do I Need Liquor Liability Insurance?

Yes. In many states, businesses whose services include selling, serving or furnishing alcohol are required by law to have liquor liability insurance. Even if your state does not require insurance, it is still an immensely important part of protecting your business from claims.

Alcohol-serving businesses face a unique set of liability risks. If your business—or an individual you served alcohol to—causes or is involved in an accident, it could cost you hundreds of thousands of dollars or more in fees, bills, and other expenses. That is why you need liquor liability insurance, which can mitigate—and in some cases eliminate—the costs of alcohol-related and other liability accidents.

What Does Liquor Liability Insurance Cover?

Liquor liability insurance covers alcohol-related claims. These claims involve customers who become too intoxicated and create accidents. Liquor-related claims can be particularly costly, especially in cases concerning death or serious injury. That’s where liquor liability insurance comes in. It can protect your business by covering the out-of-pocket costs you may otherwise be required to pay, allowing you to focus on growing your business.

According to dram shop law, if an individual you served alcohol to went on to cause or be involved in an accident, especially if they are a minor and visibly intoxicated person, your business could be held liable to pay for the damages—including bodily injuries, property damages, and more. 

Questions About Liquor Liability Insurance

There are many reasons why you should carry liquor liability insurance. First, depending on your state’s dram shop law, you may be legally required to have it. Even if your state does not require alcohol-serving businesses to have insurance, there are still a lot of benefits to getting covered. If an alcohol-related accident were to occur involving an individual you serve, you could be held liable to pay for the damages.

Insurance Canopy’s Liquor Liability Insurance is designed to help reduce the cost of insurance claims that would otherwise financially devastate your business.

Insurance Canopy’s base liquor liability insurance plan consists of $2M in general liability coverage and $300K in liquor liability coverage, $300K in coverage for damage to premises rented coverage, and $10K in coverage for tools and equipment. 

For extra cost, you can increase the coverage limits of your policies and include additional policies to your plan, such as professional liability, cyber liability, assault & battery coverage, and more.

Insurance Canopy provides business owners with high-quality, comprehensive liquor liability insurance at an affordable price that doesn’t break the bank. With general and liquor liability coverage, Insurance Canopy covers the risks associated with running an alcohol-serving business.

Getting started with Insurance Canopy is also easy, taking less than ten minutes to complete your application. More than anything, with Insurance Canopy you can create a financial safety net to protect your business and gain peace of mind that comes from having the protection you need.

No. General liability policies do not cover liability claims involving alcohol-related accidents. If your business sells, serves, or furnishes alcohol, you need a liquor liability insurance policy to cover the cost of those claims. It is for this reason that Insurance Canopy provides plans that include both general and liquor liability policies, so your business can have the coverage it needs regardless of the nature of the accident.

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