Liquor Liability Insurance

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What Is Liquor Liability Coverage?

Liquor liability insurance Liquor liability insurance helps protect a business that sells, serves, or distributes alcohol. This type of business insurance can help cover claims of bodily injury or property damage that an intoxicated person causes after a company served them alcohol.
If your business gets sued, liquor liability insurance helps cover your:
  • Legal costs
  • Settlements or judgments
  • Repair costs to fix property damage
  • Medical bills to treat an injury

What Does Liquor Liability Insurance Cover?

Liquor liability coverage Liquor liability insurance can help your business cover claims related to:
  • Assault and battery, like if a customer you served alcohol to physically hurts another person.
  • Drunk driving if an intoxicated person your business served or sold alcohol to damages property or causes an accident that leaves another driver with a bodily injury.
  • Property damage a customer under the influence of alcohol causes to another person’s belongings.

Do I Need Liquor Liability Insurance?

Liquor liability If your business makes, sells, distributes or serves alcohol to customers, you’ll want to get liquor liability insurance. Some types of businesses that may need liquor liability coverage include:
Liquor liability insurance is important if your business is in a state with dram shop laws. These laws allow businesses to be held liable if they sell or serve alcohol to intoxicated individuals who cause an injury or damage property.1 Thirty states have dram shop laws in place.

How Much Does Liquor Liability Insurance Cost?

Liquor liability insurance costs vary. It can cost your business several hundred to several thousand dollars a year to get coverage. When you get a quote, insurance companies can use different factors to determine your liquor liability insurance cost. These include your business’:
  • Industry: Businesses in certain industries face more risk, which can increase insurance rates. Restaurants that serve alcohol, for example, may have a higher risk than a retail store serving liquor.
  • Location: The state your business in can have an impact on your insurance costs.
  • Coverage limit: The higher your policy’s limit, the more you’ll pay for your insurance premium.
  • Liquor sales: The amount of sales your business makes annually can impact your rate.
The best way to find out your business’ cost for liquor liability insurance is to get a quote. Our specialists can work with you to understand your risks and help you get the coverage you need.

Get a Liquor Liability Insurance Quote

Liquor liability insurance quote It’s important to work with an experienced insurance company when you’re trying to protect your business. We’re backed by more than 200 years of experience and have helped over 1 million small business owners get the coverage they need. Our specialists can help you do the same by customizing your liquor liability insurance policy to help protect your business.
Get a free business insurance quote online today and learn how we can help.

Common Questions About Liquor Liability Coverage

What Is the Difference Between Host Liquor Liability Coverage and Liquor Liability Coverage?

Liquor liability coverage helps protect businesses from claims of bodily injury or property damage if they sell, make or serve alcohol. You can add this coverage as an endorsement on your general liability policy. Host liquor liability coverage helps protect companies that don’t sell alcohol, but allow people to drink it on their business property. Host liquor liability is included in a general liability policy. 
It’s a good idea to get liquor liability insurance if your business holds special events where liquor is served or consumed. This can include an accounting firm holding an annual holiday party where alcohol is served.

Does My General Liability Insurance Cover Liquor Liability?

You’ll likely find host liquor liability insurance in a general liability insurance policy. Liquor liability insurance, however, isn’t included, and you’ll need to get this coverage if your business, sells, serves, or distributes alcohol.
General liability insurance, or commercial general liability insurance, helps protect your business from claims alleging that it caused bodily injury or property damage to someone else’s belongings. General liability includes host liquor liability. So, if your business doesn’t sell or serve alcohol but allows people to drink it on your premises, general liability coverage can help you if your customer hurts someone else or damages another person’s property while intoxicated.

What Is Liquor Liability Insurance Called?

Another name for liquor liability insurance is dram shop insurance. A dram shop is a bar or business that focuses on serving, selling or making alcohol. It also refers to the dram shop laws that many states have.
The Hartford shall not be liable for any damages in connection with the use of any information provided on this page. Please consult with your insurance agent/broker or insurance company to determine specific coverage needs as this information is intended to be educational in nature.
The information contained on this page should not be construed as specific legal, HR, financial, or insurance advice and is not a guarantee of coverage. In the event of a loss or claim, coverage determinations will be subject to the policy language, and any potential claim payment will be determined following a claim investigation.
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc. In TX, this insurance is written by Sentinel Insurance Company, Ltd., Hartford Casualty Insurance Company, Hartford Lloyd’s Insurance Company, Property and Casualty Insurance Company of Hartford, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Hartford Accident and Indemnity Company and Hartford Fire Insurance Company. In Arizona, New Hampshire, Washington and California, the insurance is underwritten by Hartford Accident and Indemnity Company, Hartford Casualty Insurance Company, Hartford Fire Insurance Company, Hartford Insurance Company of Illinois, Hartford Insurance Company of the Midwest, Hartford Lloyd’s Insurance Company, Hartford Underwriters Insurance Company, Maxum Casualty Insurance Company, Maxum Indemnity Company, Navigators Insurance Company, Navigators Specialty Insurance Company, Pacific Insurance Company, Property and Casualty Insurance Company of Hartford, Sentinel Insurance Company, Ltd., Trumbull Insurance Company and Twin City Fire Insurance Company. The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries, including Hartford Fire Insurance Company.
The Hartford® is The Hartford Financial Services Group, Inc. and its property and casualty subsidiaries, including Hartford Fire Insurance Company. Its headquarters is in Hartford, CT.
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