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Liquor Liability

Comprehensive liquor liability insurance for liquor stores, bars, restaurants, and convenience stores. Protection from Dram Shop claims with up to $10M excess…

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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

Related Resources

  • Get a Liquor Liability Quote
  • Liquor Liability: Frequently Asked Questions
  • Liquor Liability Cost Guide
  • All Commercial Coverages
  • Coverage Library