Liquor Liability Insurance
What is liquor liability insurance?
Liquor liability insurance protects businesses that serve alcohol, such as restaurants and bars, from claims arising when a patron overconsumes and causes an incident, such as a fight or accident. Even with careful service, these situations can lead to significant medical costs and damages for which the business owner may be held liable.
Do I need it?
Consider obtaining liquor liability insurance if you can answer "yes" to any of the following questions:
Do you serve alcohol?
Do you experience high foot traffic?
Do you have a bouncer or security on-site?
If so, it may be wise to purchase a separate liquor liability policy that includes assault and battery coverage.
How can I purchase it?
Liquor liability insurance can be added to your Business Owners Policy. However, for bars and restaurants with high liquor sales, you may need to purchase a separate liquor liability policy that includes assault and battery coverage.
What does it cost?
The cost of liquor liability insurance varies for each restaurant and bar based on unique factors, including the size of the establishment, the volume of liquor sales, and other specifics.
For a customized rate, please reach out to us.