Retail & Restaurants Insurance
Liquor Liability Insurance
for Retail & Restaurants
If you serve alcohol and a guest causes an accident — on your property or after leaving your establishment — you can be held legally liable. Liquor liability insurance protects your business from these dram shop claims, which can easily reach hundreds of thousands of dollars in damages.
Industry-Specific Insight
Why Retail & Restaurants Businesses Need Liquor Liability Insurance
If you serve alcohol and a guest causes an accident — on your property or after leaving your establishment — you can be held legally liable. Liquor liability insurance protects your business from these dram shop claims, which can easily reach hundreds of thousands of dollars in damages.
Coverage Details
What Liquor Liability Insurance Covers
Key protections included in a liquor liability policy for retail & restaurants operations.
FAQs
Common Questions from Retail & Restaurants Businesses
What is a dram shop law?
Dram shop laws hold establishments liable for damages caused by visibly intoxicated patrons they served. Most Southern states have some form of dram shop liability, making liquor liability insurance essential for any alcohol-serving business.
Does liquor liability cover events where I serve alcohol temporarily?
If you're hosting a private event with alcohol service, you may need a special event liquor liability policy in addition to your base liquor liability coverage.
Is liquor liability included in general liability?
Standard general liability policies typically exclude liquor liability for businesses whose primary purpose involves alcohol service. Bars, restaurants, and caterers need a separate liquor liability policy or endorsement. A licensed agent can confirm how your current policy treats alcohol-related claims.
What are dram shop laws?
Dram shop laws hold alcohol sellers and servers liable for damages caused by intoxicated patrons they served. Most Southern states have some form of dram shop liability. The specifics — including liability caps and who can sue — vary by state. A licensed agent familiar with your state's laws can explain your exposure.
Complete Coverage
Other Coverages Retail & Restaurants Businesses Commonly Need
A complete protection plan for retail & restaurants operations typically includes several complementary coverages.
Retail & Restaurants · Liquor Liability
Get Liquor Liability Coverage for Your Retail & Restaurants Business
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