When selling or serving liquor is part of your business's regular operations, you must account for many different risks and exposures. Alcohol can exacerbate situations or circumstances that may already have their own inherent risks.
Liquor liability insurance is a type of business insurance tailored toward businesses that sell, serve, or distribute alcoholic products. It's designed to help protect your business from claims arising out of an intoxicated customer's actions after they were served alcohol on your premises.
Coverage highlights can include:
Any company involved in the creation, sales, distribution, or serving of alcohol should consider liquor liability coverage — including restaurants, bars, grocery stores, liquor stores, and caterers.
Given the wide variety of businesses that serve alcohol as part of their regular services and operations, there is also plenty of variance regarding the specific coverage needed within a policy. As an independent agency, we shop dozens of carriers to help build a policy tailored to how your business actually operates.