What is Liquor Liability coverage?
What can Liquor Liability insurance cover?
- Medical bills if your intoxicated guest causes bodily injury
- Damaged property
- Legal costs
How much does Liquor Liability insurance cost?
Starting at $19/month†
Buy online in about 10 minutes, and cancel anytime.
Who needs Liquor Liability coverage most?
- Businesses that serve alcoholic beverages
- Stores that sell alcohol
- Crafters who make alcoholic drinks for sale
Liquor Liability insurance could help protect you from:
Legal costs & medical payments
Your customer injures someone in a car accident after drinking at your restaurant. Your business could be held liable if the driver was over the limit.**
Injuries
An intoxicated customer trips and injures another patron who sues your business for medical costs.
Property damage
A drunk patron spills red wine on another guest and ruins their designer clothing.
What does General Liability with Liquor Liability insurance cost?
ERGO NEXT includes liquor liability as an add-on to our general liability insurance policy for restaurants, cafes and other food service businesses. It can cost as little as $25/month† for some low-risk businesses.
Several factors influence your liquor liability insurance quote, including:
- Your business operations
- The size of your business
- Where you do business
- Your business needs and how much coverage you choose
- Policy and coverage limits
How to buy General Liability insurance with Liquor Liability coverage online
Start a free online quote
In about 10 minutes you’ll see the exact price you’ll pay for liquor insurance online.
Customize your coverage
Adjust your policy limits and deductibles to pick the right coverage at the right price.
Buy 100% online
Your coverage is effective after payment. And your certificate of insurance can be shared at no extra cost.
Who needs Liquor Liability business insurance?
Restaurants and cafes
If you’re accused of over-serving alcohol to customers, your state dram shop laws could hold you responsible if an intoxicated patron causes harm or damage after they’ve been served by your business.
Crafters and resellers
If you make or sell alcohol on-premises, liquor liability insurance coverage could help protect you.
Caterers
Liability insurance may be required for you to get a liquor license to serve alcohol.
Grocery stores
If you plan to sell alcoholic beverages, insurance for liquor, beer or wine may be a requirement to get a business loan or rent a commercial property.
Liquor Liability insurance FAQ (frequently asked questions)
Is Liquor Liability insurance coverage required?
Liquor liability may be required for some food and beverage business operations, including:
- Liquor licensing. Liquor liability insurance can be required for your business to get a liquor license in some states.
- Renting a commercial property. Some landlords may require liquor liability coverage if you rent your restaurant or food business space.
- Dram shop law compliance. Almost every state in the U.S. has dram shop laws that may hold a business liable for selling or serving alcohol to individuals who cause injuries or death because they’re intoxicated.
- Getting a business loan. Banks and lenders may ask you to get this coverage to mitigate their financial risk.
Laws vary by state, so it’s best to check what the requirements are in your area.
Is Host Liquor Liability insurance the same as Liquor Liability insurance?
Host liquor liability insurance is a short-term policy designed for a person or company hosting temporary, private special events like a wedding or a corporate party.
Host liquor liability does not cover businesses that manufacture, serve or sell alcohol as part of their operations. It’s more for businesses that allow alcohol consumption on their premises temporarily.
ERGO NEXT does not sell host liquor liability coverage.
Though the name is similar, liquor liability coverage is a different type of insurance created to help businesses that make, serve and sell alcohol as part of their daily business operations, such as a restaurant or cafe.
How do I make a Liquor Liability insurance claim?
You can file a claim anytime online or in the ERGO NEXT app.
You’ll be asked to share the details of what happened and to provide relevant photos and documentation. We strive to make claims decisions as quickly as possible so that you can get back to work.
When will I get my policy and proof of insurance?
It takes about 10 minutes to get a quote, buy coverage and get access to policy documents and your certificate of insurance (COI).
You can access your documents and COI 24/7 online or in the ERGO NEXT app for iPhone or Android.
ERGO NEXT Insurance reviews
Satisfied Customer
Best business insurance with the easiest process!
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Small business insurance
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Small start up
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Easy to sign up and has what I need.
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