Liquor Liability Insurance

Protect your business with liquor liability coverage faster than you can say “mimosa.”

*Prices vary by state

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What Is Liquor Liability Insurance Coverage?

This plan protects businesses from the financial risks that come with selling, serving, and furnishing alcohol. Claims can include bodily injury and property damage. Without liquor liability insurance, you could be required to pay these expenses out of pocket.

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How Much Does Liquor Liability Insurance Cost?

The cost of Annual Liquor Liability insurance starts at $35.42 per month with one- to three-day Event Liquor Liability insurance starting at $275. The cost of Liquor Liability coverage 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.

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

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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 coverage. Even if your state does not require insurance, alcohol insurance 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 to mitigate—and in some cases eliminate—the costs of alcohol-related and other liability accidents.

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What Does Liquor Liability Insurance Cover?

Liquor Liability coverage covers alcohol-related claims. These claims involve customers who become too intoxicated and cause accidents.

Liquor-related claims can be particularly costly, especially in cases concerning death or serious injury. That’s where Liquor Liability coverage 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/or a visibly intoxicated person, your business could be held liable to pay for the damages—including bodily injuries, property damages, and more.

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Liquor Liability Coverage Details

*Pricing varies depending on limits selected.

Liquor Liability Insurance 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 Occurrence Limit

$1,000,000

Damage to Premises Rented to You

$100,000

Medical Expense Limit

$5,000

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Questions About Liquor Liability Insurance

Businesses that furnish, serve, and sell alcohol are open to expensive risks associated with liquor-related claims, including the following:

  • Caterers
  • Food Truck Owners
  • Concessionaires
  • Private Chefs
  • Bartenders


Liquor Liability insurance coverage can help financially protect you from those claims and provide peace of mind.

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 coverage is designed to help reduce the cost of insurance claims that could otherwise financially devastate your business.

Insurance Canopy’s base Liquor Liability insurance plan consists of $2,000,000 in General Liability coverage and $300,000 in Liquor Liability coverage, $300,000 in Coverage for Damage to Premises Rented coverage, and $10,000 in coverage for Tools and Equipment. 

For an 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 and Battery coverage, and more.

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 insurance policies, so your business can have the coverage it needs regardless of the nature of the accident.

Insurance Canopy provides business owners with high-quality, comprehensive Liquor Liability coverage 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. With Insurance Canopy you can create a financial safety net to protect your business and gain the peace of mind that comes from having the protection you need.

More Information About Liquor Liability

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.

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