Liquor Insurance

We work with leading carrier A+ rated for retail liquor operators. We understand the full scope of risks faced by liquor retailers and provide customized packages tailor-made for each customer’s unique situation. So when it comes to broken bones, or broken bottles, let us put together the best protection for you.

We cover all types of retail liquor businesses, including:

Liquor & Wine Stores
Craft Beer Stores
Tasting Rooms
Warehouses
Online Retailers
Wine & Beer Tasting Rooms
Special Events
Bonds

We provide all lines of insurance for retail liquor operations including:

Buildings
Stock
Furniture & Fixtures
Tenants’ Improvements
Crime
Equipment Breakdown
Transit
General Liability
Liquor Liability
Cyber Risk
Commercial Auto
Workers Compensation
Excess Liability
Employment Practices Liability

Liquor Liability

Liquor liability insurance helps protect businesses that sell, serve or distribute alcohol. This type of business insurance can help cover claims of bodily injury or property damage that an intoxicated customer causes after a company served them alcohol. You can get this as a standalone policy or add it as an endorsement to general liability insurance coverage.

If your business gets sued, liquor liability insurance helps protect your business by covering your:

Legal costs
Settlements or judgments
Repairs costs to fix property damage
Medical bills to treat an injury

What Does Liquor Liability Insurance Cover?

Liquor liability insurance can help cover claims of:

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 that a customer under the influence of alcohol causes to another person’s belongings.

Ways To Save Money on Liquor Liability Insurance

Small business owners can save money on liquor liability insurance through:

Bundling and getting another type of insurance with your liquor liability insurance
Paying premiums upfront instead of monthly
Managing risks with employee alcohol training and serving water with alcoholic beverages

Do I Need Liquor Liability Insurance?

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:

Restaurants
Caterers
Liquor stores
Grocery stores
Wine Shops

Liquor liability insurance is also 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.

Common Question About Liquor Liability Coverage

Would my general liability insurance cover Liquor liability?
A: No, You can add this coverage as an endorsement on your general liability insurance policy.

(909) 438-4742
Easvtale, CA 92880
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