Bartender Insurance

Insurance Marketplace for Bartenders



Protect yourself from third-party claims with a bartender insurance policy from Insurance Canopy. This coverage includes liquor liability, which is necessary for individuals who sell and serve alcoholic beverages.


Liquor liability insurance protects you against lawsuits, legal claims, and damages stemming from the service of beer, wine, or liquor. Examples of claims related to liquor liability are:

  • Property damage caused by an intoxicated patron
  • Accidents involving someone who was served alcohol by you
  • A fight between patrons sent a patron to the hospital

Don’t let claims related to your alcohol service drain your financial resources. Let Insurance Canopy provide you with the liability insurance you need today.

Why Bartenders Should Carry Liquor Liability Insurance

  • As a bartender, you face unique risks specific to your industry, such as liability for serving alcohol to somebody who is already inebriated.
  • Liquor liability insurance gives you a layer of defense against claims stemming from your alcohol service.
  • Financial peace of mind
  • Ability to pay legal costs for defenses, even in cases where you may not be negligent.


Insurance Canopy makes purchasing bartender insurance hassle-free. Simply complete the 4-step application process and download your certificate of insurance upon checkout.

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Liquor Liability Claims That Bartenders Have Faced

A patron was served three beers accompanied with three shots of whiskey by an untrained bartender over the course of three hours. He then stopped at an attached liquor store where, he purchased a half pint of whiskey. Upon leaving, the patron drove 500 feet before colliding head-on with a single passenger vehicle. Both drivers were seriously injured. The case settled for $200,000 with expense costs paid of $19,400.
A woman and her boyfriend went to a bowling alley and consumed three pitchers of beer served by the bartender. The boyfriend then left the bar after an argument and his vehicle hit a construction worker who was setting cones on the highway. The construction worker suffered severe injuries and that brought forth a lawsuit against the bowling alley for negligent service. The claim settled for $200,000 and expense costs totaled $15,000.
A woman was served 11 or 12 alcoholic beverages by the bartender. After leaving the bar, she got into her vehicle and struck a 22-year-old student who died from her injuries. The student's family sued and won a $900,000 settlement with an additional $63,000 in incurred expenses.

*All policies have specific terms, conditions, exclusions, and limitations. Please refer to the policy for a complete description of coverage details.

Questions about Liquor Liability Insurance

Choosing the right insurance is critical. You can’t afford gaps in your coverage that could put you out of business.

What Is Liquor Liability Insurance?

Liquor liability insurance can protect your business from lawsuits that stem from selling, serving, or furnishing alcoholic beverages. Complete our online application and purchase today.

Do I Need Liquor Liability Insurance?

Yes. Liquor liability insurance is essential for those in the business of manufacturing, selling, serving, or furnishing alcoholic beverages. It is designed to protect your financial assets if you were to be sued as a result of your liquor service. You could be held liable for claims that include injuries, illnesses, or damages arising from your service of alcohol to a patron. Visit our online application and purchase today.

Why Should You Carry Liquor Liability Insurance?
  • Your state has "Dram Shop Laws" and you are mandated by law to carry this form of coverage.
  • Your state does not have "Dram Shop Laws" but your business could still be on the hook for a liquor liability claim.
  • You serve alcohol in the course of your daily business operations.
  • Complete our online application and purchase today.
How Much Is Liquor Liability Insurance?

Our annual liquor liability insurance policy starts at $16 per month, and our general liability plus liquor liability policy starts at $33 per month. An active general liability policy is required in order to purchase a liquor liability policy. Complete our online application and purchase today.

Need additional information before making a decision?
Give our team a call today at 844.520.6993

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