Liquor liability insurance protects businesses that sell or serve alcohol if a customer who was served causes injury or damage. Many general liability policies exclude these claims for businesses in the alcohol business. Florida restaurants, bars, breweries and caterers often need liquor liability to meet lease and licensing expectations.
Talk to an independent broker in Sunrise
Insurance Risk Advisors compares coverage from multiple A-rated carriers for Broward, Miami-Dade and Palm Beach County.
What does liquor liability cover?
It helps pay legal defense, settlements and judgments when a claim says your business served alcohol to someone who then caused harm.
It can also cover claims from fights or assaults involving intoxicated patrons, depending on the policy.
Who needs liquor liability insurance?
Bars, restaurants, nightclubs, breweries, wineries, liquor stores, caterers and event venues are common buyers.
Businesses that host events where alcohol is served may need host liquor coverage, which is sometimes included in general liability.
Want to compare your options?
We shop several carriers so you can see real prices side by side.
How can I lower the cost?
Server training programs, ID checks and clear policies on refusing service help reduce risk and may help with pricing.
We compare carriers that specialize in hospitality businesses across South Florida.
Frequently Asked Questions
Does general liability cover alcohol claims?
Many general liability policies exclude liquor claims for businesses that sell or serve alcohol.
What is host liquor liability?
Coverage for businesses that serve alcohol at an event without being in the business of selling it.
Do caterers need liquor liability?
If they serve alcohol, usually yes, and many venues require it.
Get your free quote today
Request a quote online or call our Sunrise office. Insurance Risk Advisors has served South Florida for more than 35 years.
