Coverage
Liquor Liability
Liquor Liability insurance protects businesses that sell, serve, or manufacture alcoholic beverages from claims arising when an intoxicated customer causes bodily injury or property damage to a third party. This coverage is essential in states with Dram Shop laws like California and Nevada, where bu…
Who Needs This Coverage
- Liquor stores and package stores
- Convenience stores with alcohol sales
- Gas stations selling beer and wine
- Grocery stores with liquor licenses
- Bars, taverns, and nightclubs
What's Covered
- ISO Occurrence & Claims-Made coverage forms
- ISO Liquor Liability coverage endorsement
- Third-party bodily injury claims
- Third-party property damage claims
- Legal defense costs and settlements
- Per location aggregate endorsement