Commercial Insurance
Liquor Liability Insurance
If your business sells, serves, furnishes, or facilitates the consumption of alcohol, you may be held legally responsible for injuries or damages caused by intoxicated patrons. Liquor liability insurance — also called dram shop insurance — protects bars, restaurants, event venues, caterers, and other alcohol-service businesses from the substantial legal exposure that can arise from alcohol-related incidents. In many states, including several across the South, dram shop laws create direct liability for businesses that over-serve or serve alcohol to minors.
What Liquor Liability Insurance Can Help With
Coverage options vary by carrier and situation. A licensed agent can explain what applies to your specific needs.
Bodily injury claims resulting from an intoxicated patron who was served at your establishment
Property damage caused by an intoxicated patron after leaving your business
Third-party claims from individuals harmed in accidents caused by your patron
Defense costs for lawsuits brought under state dram shop laws
Coverage for assault and battery incidents related to alcohol service (with appropriate endorsement)
Coverage for events and private functions where your business serves alcohol
Who Often Explores Liquor Liability Coverage
Every situation is unique — a licensed agent can help you decide whether this coverage makes sense for you.
Bars, nightclubs, and taverns serving alcohol as a primary business activity
Restaurants with beer, wine, or full liquor service
Event venues and caterers who provide or allow alcohol at private events
Convenience stores, liquor stores, and retailers with alcohol off-premise sales
Breweries, wineries, and distilleries open to the public
Frequently Asked Questions
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Coverage options vary by carrier and state. A licensed agent can explain details and availability.
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