Business Owners Policy
Property and general liability bundled into one policy for small and mid-sized firms.
Read more →Business Insurance
Liquor Liability
Claims arising from serving alcohol, which general liability excludes.
What this cover does
Most states have dram-shop statutes making a venue liable for harm caused by a patron who was over-served or under age. General liability excludes this exposure for anyone in the business of serving alcohol, so it has to be bought separately.
Typically included
- Bodily injury caused by an intoxicated patron after leaving
- Property damage arising from alcohol service
- Defence costs for dram-shop claims
- Claims involving service to a minor
- Assault and battery arising from service, where added
Common add-ons
- Higher limits for late-licence and nightclub operations
- Assault and battery sub-limits
- Special-event and off-premises service
- Server-training credits
Questions
What people ask about liquor liability
I only serve beer and wine. Do I need it?
Dram-shop statutes do not distinguish by drink strength. If you hold a licence and take money for alcohol, the exposure applies.
Does host liquor liability cover me?
Host liquor applies to businesses that serve alcohol incidentally and do not sell it — an office party, for instance. Anyone selling alcohol needs full liquor liability.
Often taken together
Related cover
General Liability
Third-party injury, property damage and advertising injury claims against your business.
Read more →Quote Liquor Liability
Tell us what you already have and we will show you where this fits — or tell you plainly that you do not need it.