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What Is Liquor Liability?
Liquor Liability insurance helps protect your business if alcohol you sell, serve, or provide is linked to someone’s injury or property damage. It can help pay for legal defense, settlements, and judgments after an alcohol related incident.
What Does Liquor Liability Cover?
It typically covers claims that your service of alcohol contributed to bodily injury or property damage, plus related legal costs. It may also address incidents caused by intoxicated patrons after they leave your premises.
Patron causes a crash after being served
Fight or injury tied to intoxication
Property damage after an alcohol related incident
Key Features of Liquor Liability
Defense costs can be the biggest value
Even if you did nothing wrong, lawsuits can be expensive. Liquor Liability can help cover attorney fees, investigation costs, and court expenses tied to a covered claim.
Designed for businesses that sell or serve alcohol
Bars, restaurants, breweries, venues, caterers, and event hosts often need this coverage to address alcohol related exposures that general liability may exclude.
Limits and endorsements that match how you operate
Policies can be tailored based on alcohol sales, hours, events, and service model. Optional endorsements may apply depending on whether alcohol is served on site, off site, or at special events.
Liquor Liability Made Simple
Everything you need to know about this coverage, from basic definitions to real-world application scenarios.
