Skip to main content

Liquor liability insurance helps protect your business from alcohol-related incidents.

Liquor Liability Insurance - Close-up View of a Bartender Pouring Red Wine into a Glass over an Antique Bar with Bottles Blurred in the Distance

Home » Business Insurance » Liquor Liability Insurance

If your business sells or serves alcohol, liquor liability insurance is a must.

Your business may be responsible for alcohol-related incidents.

While it might seem unfair, you can be held responsible if you sell alcohol to a customer who then causes property damage or injury to themselves or others while intoxicated. Even if you win in a court case, you could still face legal costs defending a claim. That’s a big problem, as many business policies specifically exclude any claim resulting from an alcohol-related incident. With liquor liability insurance, these costs may be covered by your policy.

Liability risks for businesses that serve alcohol.

To make things worse, most places have what are known as dram shop laws (places where alcohol is sold) that create strict liability for businesses that serve alcohol to somebody who is already intoxicated. That means you can be held responsible for their subsequent actions without any need for proof that you acted recklessly. And while any business that sells or serves alcohol needs this coverage, here are the different types of businesses or establishments that may need a liquor liability policy:

  • Bars
  • Breweries
  • Caterers
  • Grocery Stores
  • Liquor Stores
  • Nightclubs
  • Restaurants
  • Wineries

Additional coverage options to consider.

Liquor liability insurance covers against such cases, though you’ll need to check precisely what a policy covers. Look for assault and battery coverage, which covers claims against your staff—something that can easily arise if they are escorting a drunk patron off the premises. It may also be worth getting coverage against litigation costs to cover gray area cases where a court awards no damages but each side pays its own legal fees.

Do you run a business that serves or sells alcohol? Contact us to discuss your business and your liquor liability insurance needs.

Find Your Coverage

We’re here to help you explore your coverage options.

Request Quote

Contact JPL Insurance

Our San Diego, CA Office

3033 5th Avenue, Suite 235
San Diego, CA 92103

 619-220-8013

 619-220-8015 fax

Let’s Get Started

  1. Step 1Fill out the form.
  2. Step 2Review your options with us.
  3. Step 3Get the coverage you need.

Liquor Liability Insurance Quote Request

"*" indicates required fields

Name
Please do not include sensitive, private information in this area.
This field is for validation purposes and should be left unchanged.

Don’t like forms? Contact us at 619-220-8013 or .