Liquor Liability insurance

Liquor liability insurance could cover some losses that result from serving alcohol to intoxicated guests, including:

• Legal costs

• Lawsuit settlements

• Repairs to fix property damage

• Medical expenses related to injuries

With NEXT, liquor liability is automatically included in our general liability insurance coverage for restaurants, cafes, bars or other food service businesses that serve alcohol.

Liquor liability may be required for some food and beverage business operations, including:

1. Liquor licensing. Liquor liability insurance can be required for your business to get a liquor license in some states.

2. Renting a commercial property. Some landlords may require liquor liability coverage if you rent your restaurant or food business space.

3. Dram shop law compliance. Almost every state in the U.S. has dram shop laws that hold a business liable for selling or serving alcohol to individuals who cause injuries or death because they’re intoxicated.

4. 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.

Liquor liability insurance can help cover some costs associated with:

• Slip-and-fall injuries. An intoxicated patron accidentally injures themselves or another guest after drinking alcohol at your business.

• Bodily injury. If a customer doesn’t seem intoxicated after drinking at your business, but they get in an accident on the way home that injures another driver, your business could be held liable for the damages if the driver was over the limit.

• Property damage. If a tipsy patron accidentally sloshes their red wine onto another patron’s $900 designer shoes and you’re asked to cover the damages.

Liquor liability insurance is part of NEXT’s general liability insurance policy if your business makes, serves or sells alcohol.

If you bundle general liability coverage (that includes liquor liability) with an additional policy, such as workers’ compensation insurance to cover work-related injuries or illnesses for your employees, you could save up to 10%.

The exact price that your business will pay for liquor liability coverage is determined by several factors, including:

• The type of business you run

• Number of employees

• Your claims history

• Your work experience

• The limits you choose

• The state where you work

Get a free quote for liquor liability with general liability online to see the exact cost for your business.

It’s important to know the differences between host liquor liability insurance and liquor liability insurance.

Host Liquor Liability insurance

Host liquor liability is a short-term policy designed for a person or company hosting temporary private events like a wedding or 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.

NEXT does not sell host liquor liability coverage.

Liquor Liability insurance

Though the name is similar, this is a different type of coverage created to help businesses that make, serve and sell alcohol as part of their daily business operations, such as a restaurant, a bar or cafe.

NEXT makes it fast, easy and affordable to get a liquor liability policy for your small business — and you can do it all 100% online in about 10 minutes.

We’ll ask a few questions about your business and give you a quote. You can select your coverage options and buy your policy immediately. Your certificate of insurance (proof of insurance) will be available immediately at no extra cost, and you can access your policy 24/7 via web or mobile app.

If you have questions, our licensed, U.S.-based insurance professionals are available to help.

Start a free quote with NEXT.