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Businesses that serve or sell alcohol take on a specific liability: responsibility for harm caused by an intoxicated customer. Liquor liability insurance is designed for that risk, which general liability typically excludes or limits.
If a customer you served alcohol to causes injury or damage, your business can be held partly responsible under laws that address alcohol-related harm. Liquor liability coverage helps pay for the resulting legal defense and claims.
Bars, restaurants, breweries, and event venues that serve alcohol are common candidates, and some even need it to satisfy landlords or licensing. Businesses that host events with alcohol may need coverage too.
If alcohol is part of your business, confirm this exposure is covered rather than assumed. Explore business insurance or start a quote.
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