Liquor Liability Insurance for Bars, Restaurants, and Businesses That Serve Alcohol.
When you serve alcohol, you take on responsibility for what happens next. Saint Moore Insurance Agency helps businesses that sell or serve liquor find the dram shop coverage they need — so a single incident doesn't put everything you've built at risk.
What Is Liquor Liability Insurance?
Liquor liability insurance — also called dram shop insurance — protects businesses that manufacture, sell, serve, or facilitate the consumption of alcohol from claims arising out of alcohol-related incidents. Standard general liability policies typically exclude liquor liability, making this a critical standalone coverage for any business in the hospitality or events industry.
A liquor liability policy generally covers third-party bodily injury and property damage claims that result from serving alcohol to a visibly intoxicated person or a minor. This includes situations where an intoxicated patron injures someone in a fight, causes a vehicle accident after leaving your establishment, or is involved in any incident where alcohol was a contributing factor.
Bars, restaurants, nightclubs, breweries, wineries, distilleries, caterers, event venues, and liquor retailers are among the most common buyers. Some states impose dram shop laws that create strict liability for alcohol-serving businesses, making this coverage especially critical for operations in those jurisdictions. Liquor liability coverage is typically required by landlords, event venues, and licensing authorities as a condition of doing business.
