Liquor Liability Insurance That Keeps You Legally Covered
Liability Coverage for Alcohol-Serving Establishments
If your business serves, sells, or distributes alcohol, liquor liability insurance is a critical piece of protection. A single claim related to over-serving, intoxicated patrons, or underage service can cause legal and financial damage that’s hard to recover from. Whether you're hosting private events in Denver, running a full-service bar in Laramie, or adding wine service at your restaurant, we help you stay compliant with local laws and covered in case of alcohol-related claims. Our policies are tailored to how and where you serve.
How Liquor Liability Insurance Protects Your Business
Businesses that serve alcohol need protection against the financial fallout of incidents involving intoxicated patrons or service issues.
Helps Cover Alcohol-Related Incidents
This coverage helps pay for legal fees, settlements, or damages if alcohol service leads to an incident.
Often Required by Event Venues or Landlords
Many landlords, event spaces, and distributors require liquor liability insurance as part of contracts.
Protects Your Staff, Customers & Reputation
From slip-and-falls to over-serving issues, liquor liability helps manage risk and protect your business.
Why Liquor Liability Coverage Is a Must-Have
Liquor liability coverage shields your business from claims that could otherwise shut your doors.
We help businesses serve responsibly with liquor liability coverage that meets legal requirements and reduces risk.
How We Guide You Through Liquor Liability Coverage
We Understand How You Serve & Sell Alcohol
We review whether alcohol is served, sold, or brought in by guests so we can tailor your coverage accordingly.
We Quote Liquor Liability That Meets Local Laws
We help you choose a policy that complies with local liquor laws and covers legal defense if needed.
We Finalize Coverage & Explain Your Responsibilities
We walk through your final coverage details so you understand exclusions, requirements, and renewals.
Liquor Liability Insurance FAQs for Serving Safely
Do I need liquor liability insurance if I serve wine or beer?
Yes—even limited service can create risk. Serving alcohol without coverage may leave you liable for major claims.
Will liquor liability cover incidents outside my business?
No, those incidents require separate liquor liability coverage, even if you already have general liability.
Is liquor liability included in a general liability plan?
No, liquor liability must be added separately—it’s not included in general liability coverage.
Will my coverage protect me from underage drinking incidents?
Liquor liability can cover underage incidents, but policies may have exclusions—check with your agent to be sure.