Liquor Liability Insurance Cost

Curious about the cost of liquor liability insurance? Look no further than Insurance Canopy.



Per Month

365 Days of Coverage



Per Event

Up to 3 Days of Liability Coverage

How Much Does Liquor Liability Insurance Cost?

The cost of liquor liability insurance starts at $175/year for annual coverage and $399/event for 3-day coverage.

Server with Cocktail

Factors That Influence Cost

The cost of liquor liability insurance can vary depending on several different factors. 

Personalizing your policy by increasing your liability coverages to better fit the needs of your business can have an effect on the cost of your liquor liability policy. Higher limits = a higher price, but your business is protected the way you want. At the end of the day, you are paying for the coverages you need.

Adding additional coverages like cyber liability insurance and a trailer endorsement to create a more personalized policy can cause the cost of your policy to increase. While these added coverages can increase the price of your policy you have control over the coverages you elect to add and omit.

Different states have different liquor laws and insurance requirements. This can result in an increase or decrease in your overall policy price. 

The cost of liquor liability insurance can vary depending on the amount of revenue you make from selling liquor. If you sell more you may need higher limits and more coverages. 

Your claims history can affect the price of your liquor liability insurance. More claims = a higher insurance premium. 

Late-night business hours can result in more liability risk. For this reason, the hours your business operates can result in a higher insurance premium. 

Servers who are well-trained in serving alcohol and know the alcohol limits can positively impact your policy price and decrease the amount. With the proper training and good staff, you could see a decrease in your insurance premium as your risks are lower.

Liquor Liability Insurance Costs By Business Type

Different liquor businesses may need different coverages. This can lead to a difference in costs for different liquor businesses. For example, a bartender may need more coverage and experience a higher insurance cost because the liquor sales are higher and make up more of the annual income. A wedding caterer, on the other hand, may not need as much coverage and experience a lower insurance cost because they may only provide alcohol at certain events and not every event. 

The type of business you run, how often you serve alcohol, and your business model can impact the cost of your liquor liability insurance. 

Beer Pint Poured

Ways To Save Money On Liquor Liability Insurance

Bundle, Pay Premium Upfront, Manage Risks

As a business owner, we understand you have a lot of business costs. Here are some tips on how you can save on your cost of liquor liability insurance.


Save on your liquor liability insurance premium by bundling your General Liability insurance with your Liquor Liability insurance. When you bundle your insurance coverages you can receive a discount on your policy.

Pay Upfront Annually

You can save money when you pay your policy premium all at once instead of monthly.

Risk Management

Decrease your liability risks to save on your liquor liability insurance. Ways you can mitigate your risks include having the proper training (employees included), don’t serve minors, don’t over serve, serving food as well, and making sure all your business practices are up to code.

What Does Liquor Liability Insurance Cover?

Liquor liability insurance covers the costs of liquor-related claims. These claims can be accidents that involve liquor. Slip and fall, battery, property damage, etc, are all claims that you could experience as a business owner who serves liquor. Liquor liability insurance can protect you from the expensive costs associated with these claims. Costs can include attorney fees, medical fees, property replacement or repair costs, and more. You can protect your business with limits up to $2M aggregate. In addition to liquor liability insurance, you can add General Liability insurance, Cyber Liability insurance, and a trailer endorsement. 

Server with Platter of Cocktails

Liquor Liability Insurance