Liquor Liability Insurance
Any business that sells or serves alcohol can be held responsible when an intoxicated customer later causes harm, under dram-shop and liquor-liability laws. This exposure is specifically excluded from most general liability policies, leaving a serious gap without dedicated coverage.
Exposures that demand a strategy
Before recommending coverage, we map the specific exposures that threaten your operation. For liquor liability insurance, those typically include:
A program built around your operation
With access to more than 100 highly rated carriers and specialty programs, we assemble the right combination of coverages rather than a one-size-fits-all policy.
Liquor Liability
Stand-alone or endorsed coverage for businesses that sell, serve, or furnish alcohol.
Commercial General Liability
Protects against third-party bodily injury and property damage claims arising from your premises and operations, including legal defense costs.
Assault & Battery
Covers altercation-related claims that frequently accompany alcohol service.
Commercial Umbrella / Excess Liability
Adds an extra layer of liability limits above your underlying policies to protect against catastrophic claims and large lawsuits.
Commercial Property
Covers your buildings, equipment, and contents against fire, storm, theft, and other covered perils, on a replacement-cost basis where available.
Who this is for
Restaurants, bars, caterers, grocers, convenience stores, and event venues that serve alcohol.
Let's build the right program for your business
Strategy that knows your business. Tell us about your operation and we'll design coverage that fits your real exposures and budget.