Liquor Liability Insurance

     The ability to sell alcohol on your property is very profitable if covered correctly, and if not it can be a huge liability.  Liquor Liability Insurance is coverage for businesses related to the production or the consumption of alcohol. Liquor liability is very important if your business has a liquor license due to the risk that is accompanied with it. Some states require any establishment that has a liquor license to carry liquor liability insurance.  However what is covered through liquor liability varies state by state and the level of coverage you are looking for. 

What is covered?

Alcohol can impair and disorient people and may cause them to cause injury or damage to others or their property. If they purchase alcohol from your establishment you could be held liable for their actions. Liquor Liability Insurance provides coverage for your business in the event of an altercation, accident, or other incident that is caused by a person that consumes alcohol from your establishment. This policy may help cover lawsuits, medical costs and settlement that your business may face resulting from alcohol.

What is not covered?

Liquor Liability Insurance will not cover damage to your property, injury to yourself, employee injury, sensitive information regarding your business, claims that occurred prior to the start of your insurance policy, or any damage with intent without negligence is proven. Although Liquor Liability Insurance will not cover these risks there are other insurance policies that can be put in place to cover some of the risks that are not covered by Liquor Liability Insurance.  

Other policies that we offer:

• General Liability Insurance is an essential policy for every business that will protect your business against claims against bodily injury, advertising, personal injury, and property damage arising from operations, premises, products, and completed operations. 
• Commercial Property Insurance will cover damage to your business property. 
• Worker's Compensation Insurance will cover injury to you or your employees. 

In order to begin assessing your needs we will gather information from you. Using our expertise in providing liquor liability coverage we will create a policy designed specifically to what fits your needs.  We will then use our knowledge and access to multiple insurance markets to insure you with the best insurance that will give you a fair rate. Once fitted with the type of coverage you need we will provide first class service being there for you every step of the way as you grow your business. Whether you need Certificates of Insurance, have a business claim, or need to expand your coverage to help you with your growing business. 

To Get Started Call Us at (800)433- 2314 or Email us asking for a quote below