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Liquor Liability Insurance

With 10 years experience in the industry, an array of market options, and a vast knowledge of liquor liability, we're confident in finding you the best coverage solutions & price available. 

What Sets Us Apart From The Rest

  • New Ventures Accepted
  • "A" Rated Carriers
  • Up To 100% Liquor Sales
  • Optional Assault & Battery 
  • Prior Losses Accepted
  • Flexible Payment Options
  • Dedicated Agent Contact
  • Low Minimum Premiums

Proudly Serving

Arizona | Colorado | Florida | New Mexico | Texas

Speak With An Agent Today!

(602) 888-1732

Excess Liability | General Liability | Liquor Liability | Product Liability

Cap Specialty
lloyds of london
Golden Bear Insurance
Scottsdale Insurance
USLI

Additional Markets: Centrex, HIIG, Liberty Mutual, James River, Kinsale, Markel, Origin, Westchester


Who We Serve

Bars & Taverns Breweries Convenience Stores Distributors

Liquor Stores Lounges Night Clubs Restaurants

Sports Bars Tap Rooms Wineries Not Listed? Give us a call

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What Is Liquor Liability Insurance?

Liquor liability insurance protects businesses that serve, sell, or manufacture alcohol products. The policy provides coverage for legal costs, settlements, & medical expenses associated with bodily injury or property damage caused by an intoxicated person, who was served/sold liquor by the insured

The types of businesses that typically need a liquor liability insurance include: bars/taverns, breweries, distilleries, restaurants, liquor stores, convenience stores, wineries, grocery stores, manufacturers, and really any company selling or distributing alcohol products.

Why Should You Purchase Liquor Liability Insurance?

Liquor liability insurance protects businesses that serve, sell, or manufacture alcohol products. The policy provides coverage for legal costs, settlements, & medical expenses associated with bodily injury or property damage caused by an intoxicated person, who was served/sold liquor by the insured

The types of businesses that typically need a liquor liability insurance include: bars/taverns, breweries, distilleries, restaurants, liquor stores, convenience stores, wineries, grocery stores, manufacturers, and really any company selling or distributing alcohol products.

Key Factors That Impact Cost of Liquor Liability Insurance

Exposure - Liquor liability is rated on gross liquor sales. For example a convenience store owner with 20% of gross sales being liquor sales will pay less than a liquor store with 80% gross liquor sales.

Industry/Profession - Rates vary based on your industry/profession. A grocery store generally faces different risks than a restaurant, so they can expect their rates to differ.

Location - Liquor liability insurance cost based on your location. For example, businesses will typically incur a higher premium in locations with a higher number of total claims than those with fewer claims. Other location factors also apply such as proximity to colleges, age demographic, and products being sold in that location.

Claims History - Businesses with prior liquor liability claims will see limited market options, higher premiums, and may be required to carry increased deductibles and/or lower offered coverage limits. Having a claim doesn't mean it's impossible to find coverage, just means there will be fewer options and higher rates.

There's a myriad of additional factors that come to play when rating liquor liability however these are the core factors underwriters will be reviewing. We recommend having firm liquor controls in place, consumption policies, and regular training with all employees handling, serving, and/or selling alcohol. Having written policies and procedures in place, accompanied by regular employee training and other safeguards gives us a bit of flexibility with the underwriters and will certainly be helpful when a claim arises.



Why Work With Us?

Fast & Affordable

We strive to provide quick coverage solutions, affordable payment options, and same day certificates.

Customized Coverage

No one size fits all coverage, we'll provide multiple coverage options to fit your needs.

We Keep It Simple

Liquor Liability insurance is complex and policy language is complicated. You're great at what you do, as are we, so leave it to us to simplify the process.



State Liquor Licensing Resource Center

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