Top 5 Questions for Liquor Liability Insurance

1. What is liquor liability insurance?
Any place of business that sells, serves, or assists in the purchase of liquor opens up the possibility for a liability claim as a consequence of someone getting drunk. Liquor liability insurance offers coverage for injuries or property damaging resulting from someone being intoxicated.

2. What are occasions to have liquor liability insurance?
  • Personally hosted parties or events where alcohol is served or provided
  • Business or office hosted parties or events where alcohol is served or provided
  • Special Event Liability
  • Businesses that sell, serve, or assists in purchase of alcohol

3. If I do not have a business but want liquor liability insurance, can I get it?
Yes. You do not have to have a business in order to get liquor liability insurance. You can get something similar in coverage and that is host liquor liability insurance. This covers parties at your house or cover you at an event where you maybe offering liquor.

4. How much is liquor liability insurance?
 The most basic coverage will cost under $500.

5. What are the cost factors?
The costs will depend on the kind of coverages you opt for, amount of alcohol served, and the precautions that are taken when serving alcohol.