Business Insurance
Liquor Liability Insurance
Liquor Liability Insurance protects businesses that manufacture, sell, or serve alcohol from “dram shop” exposures—where you can be held legally responsible for alcohol-related incidents that occur after service.
For many hospitality operations, a standard General Liability policy is not enough because alcohol-related claims are often excluded without a dedicated liquor liability form or endorsement.
We help match coverage to your service model, volume, and risk profile—so you can operate confidently while meeting contractual and state compliance expectations.
Built Around Your Hospitality Model
Your establishment is a major asset, and alcohol service changes the liability landscape. We can tailor liquor liability solutions for a wide range of operations:
- Bars, Taverns & Nightclubs: Coverage built for high-volume environments where late-night incidents are more common.
- Restaurants & Cafes: Flexible protection for alcohol served alongside food.
- Caterers & Event Spaces: Options for off-site service at weddings, galas, and corporate functions.
- Retail & Package Stores: Targeted coverage for off-premises consumption sales.
- Breweries, Wineries & Distilleries: Solutions for manufacturers with tasting rooms, tours, or retail operations.
Precision Coverage Options
Because every hospitality operation is different, we help you evaluate endorsements that eliminate common gaps—so your coverage aligns with how you serve and where incidents can occur.
- Bodily Injury & Property Damage:
Core protection for medical expenses and property damage related to alcohol-involved incidents. - Legal Defense Costs:
Coverage for attorney fees and court costs—often one of the largest drivers of claim expense. - Assault & Battery Coverage:
A critical endorsement for many venues, addressing fights or altercations involving patrons or security. - Mental Anguish & Personal Injury:
Coverage for certain non-physical claims such as emotional distress, pain and suffering, and related allegations. - Host Liquor Liability:
For businesses that don’t regularly sell alcohol but host occasional events where alcohol is served.
The Strategic Value of Professional Guidance
Pricing and underwriting are heavily influenced by staff training and safety controls. We help you position your program for better terms by aligning coverage, protocols, and carrier expectations.
- Server Training Discounts:
Premium credits may be available for certifications like TABC (Texas) or TIPS and documented responsible service training. - Formal Safety Protocols:
Written safe-service procedures, incident logs, and management oversight can reduce frequency and improve underwriting. - Bundled Efficiency:
Combining Liquor Liability with General Liability, Property, or Workers’ Compensation can simplify administration and improve pricing. - Claims Advocacy:
If an incident occurs, we help you navigate next steps and coordinate with the carrier to protect your business and reputation.
Protect what you’ve worked hard to build.
Don’t let a single over-served guest or a late-night incident stall your progress. Contact our office today for a review of your hospitality exposures and a custom quote built for the year ahead.
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