Liquor Liability Insurance For Restaurants

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Liquor liability insurance is a critical safeguard, protecting your restaurant from financial and legal consequences arising from alcohol-related incidents. With the right coverage, you can focus on creating great dining experiences while minimizing your risks.

What Is Liquor Liability Insurance?

Liquor liability insurance is a specialized policy designed to protect restaurants and other businesses that serve, sell, or distribute alcohol. It covers claims and lawsuits related to alcohol consumption, including those involving property damage, injuries, or legal disputes caused by intoxicated individuals.

What Does Liquor Liability Insurance Cover?

Liquor liability insurance provides comprehensive protection against alcohol-related incidents that could harm your business. Here are the key areas it covers:

Coverage Type	Description
Bodily Injury	Covers medical expenses and legal fees if an intoxicated patron causes harm to themselves or others, including alcohol-related accidents.
Property Damage	Covers damage caused by an intoxicated customer to someone else’s property, either at your restaurant or off-premises.
Legal Fees and Settlements	Covers legal defense costs and pays for settlements or judgments in alcohol-related lawsuits.
Dram Shop Claims	Protects against claims that your restaurant served alcohol to someone who later caused injury or damage, like a drunk driving incident.
Assault and Battery Coverage	Covers physical altercations involving intoxicated patrons, often added as an endorsement for alcohol-related fights.

Liquor Liability Insurance Costs for Restaurants

Average Costs

Small Restaurants: $250–$1,000 annually.
Larger Restaurants: $1,000–$3,000 annually.
Premium Bars or Nightclubs: $3,000+ annually.

The cost of liquor liability insurance varies depending on several factors, including:

Size of Your Restaurant: Larger establishments or those with high alcohol sales may face higher premiums.

Alcohol Sales Volume: The more alcohol you sell, the higher the risk, therefore higher premiums.
Location: Certain states and cities have higher premiums due to stricter dram shop laws.
Claims History: Restaurants with a history of alcohol-related claims may face increased rates.

Other Insurance Policies to Consider

Liquor liability insurance is just one component of a comprehensive risk management strategy for restaurants. Consider pairing it with the following:

General Liability Insurance: Covers non-alcohol-related bodily injury and property damage claims.
Commercial Property Insurance: Protects your restaurant’s building, equipment, and inventory.

Business Interruption Insurance: Replaces lost income during temporary closures due to covered events.
Workers’ Compensation Insurance: Covers employee injuries and lost wages.

Get a Liquor Liability Insurance Quote Today

If you want policy advice or an exact cost for your liquor liability, we encourage you to get in touch with our agents today.

We understand liquor liability insurance for restaurants and the immense risks they take when they provide their necessary services. Our agents can reduce policy prices through additional discounts of 10% to 15% from the instant quotes you receive, so please take the time to call us to review your quotes.

We provide the finest comprehensive plans for your restaurant business by providing: