A liquor liability endorsement fills the gap most standard general liability and BOP policies leave exposed — one intoxicated-patron claim can outlast the underlying policy limits.
Liquor liability limits sit separate from and in addition to your general liability limits — not a sublimit buried inside them.
Defense against claims arising from serving alcohol to an intoxicated patron or a minor, including third-party bodily injury and property damage.
Many liquor licenses, landlord leases, and event contracts require proof of liquor liability coverage before you can pour a drink.
Coverage built for anyone who sells, serves, or distributes alcohol — not just bars and restaurants.
Hosting tastings or sampling events increases exposure to intoxicated-attendee claims — this coverage follows that risk.
Legal fees, settlements, and damages from alcohol-related incidents can be substantial — this coverage keeps them from landing on you directly.
Restaurants serving alcohol face on-premises consumption risk and alcohol-related incidents like fights or accidents. If a guest becomes intoxicated and causes harm to themselves or others, the restaurant can be held liable — liquor liability helps cover the legal fees, settlements, and damages.
Liquor stores and boutique beverage stores that specialize in selling a wide range of alcoholic beverages, including those that host sampling events or tastings that raise exposure to claims from intoxicated attendees.
Distributors acting as the middleman between breweries or wineries and retailers such as grocery stores, liquor stores, bars, restaurants, and convenience stores — mitigating the legal, financial, and reputational exposure of supplying alcoholic beverages.
Businesses involved in the production, distribution, sale, or service of alcoholic beverages for resale or direct consumption.
Coverage for bodily injury and property damage arising out of selling, serving, or furnishing alcoholic beverages. Some exclusions apply, and coverage terms vary by state.
Added as an endorsement to a Business Owners Policy or written alongside general liability to fill a gap standard policies typically exclude.
We'll help you compare liquor liability options across our carrier network.