Liquor Liability Insurance

Bar-Liquor-Business-Insurance-in-Harford-County-MarylandDo you need Liquor Liability Insurance?

If your business involves the manufacture or sale of alcohol, then liquor liability insurance coverage is recommended.

Liquor liability insurance covers claims for property damage or injuries resulting from the intoxication of a customer. You are covered whether the injury is to the customer themselves, or to others. Personal or property damage from alcohol consumption is a risk that should be covered.

Let’s Review the Risks


If an intoxicated customer drives away from your establishment and is responsible for vehicular manslaughter, your business could be sued by the victim’s family, for both civil and criminal damages.

Even if you are catering an off-premise event with alcohol, and there is an altercation with injuries from an intoxicated guest, you could be held liable.

It isn’t enough to have your servers ServSafe® or TIPS certified, changing state laws and tougher court decisions are proving the need for liquor liability insurance. In the instances above, you could be protected from legal fees, court costs, and any civil or criminal damages that may arise.

Liquor liability laws can be confusing and often vary from state to state, so a knowledgeable local insurance agent is a must to help you make sure you are properly protected.


What You Need to Know

Dram Shop Laws:  State laws that govern alcoholic beverages are called ‘Dram Shop’ Laws.  They place financial liability on alcoholic beverage servers for harm that noticeably intoxicated persons cause to themselves, others, or property. Not only bars, restaurants and liquor stores are affected, but also any private clubs and special events where liquor is served.


Liquor Legal Liability coverage requires a separate policy, providing risk coverage that general liability policies do not. If bodily injury or property damage is caused by your contribution to someone’s intoxication, you may be legally liable. Any business that is manufacturing, selling, distributing, or serving alcoholic beverages for a charge needs to add this coverage.


Host Liquor Liability Insurance: Any business that elects to serve alcohol to customers, prospective customers, and/or employees at a special event, should have Host Liquor Liability Insurance to protect the business for these special events.

Contact our Harford County insurance agents for professional advice to protect your business from undue risk. We offer montly payment options, coverage for all employees (including full-time, part-time, and temporary staff), and tailored coverage to match your specific needs and situation. 


"Amanda was very friendly and helpful during a big step in our lives (buying our first rental property). She gave great advice and created a plan to cover all of our insurance needs, even when a few obstacles arose. All of our questions were answered promptly throughout the process, and my husband and I truly appreciate her service!"

Linda Chern Zvitkovitz

"Amanda has been beyond amazing! She helped me with home insurance last year, and helped again when I had to use the insurance just a few months after settlement! I have now switched my car insurance to Nationwide! I would recommend anyone to this office knowing they would get the absolute best customer service! Thank you, Amanda, for all you have done!"

—Ashley O'Connor

"AWonderful customer support at all times. Always ready to help at any time. Courteous, professional, knowledgeable. Immediate and supportive response when claims made."

—Meg Bates Jones

"Amanda was simply amazing! We had a horrible experience with Allstate and she helped make the transition super smooth to Nationwide! Allstate messed up our cancellation date and Amanda handled everything, we didn’t even have to send her any paperwork, it’s nice to know you’re being taken care of especially when it comes to insurance!"

—Laura Hoffman

"Wonderful customer support at all times. Always ready to help at any time. Courteous, professional, knowledgeable. Immediate and supportive response when claims made."

—Meg Bates Jones

"The staff was very helpful, professional and supportive in seeing us through tree and structural damage resulting from a wind storm. Great staff."

—Ursula Cain-Jordan

"Been with Rick for many, many years, and have always been well taken care of, both for my business accounts, and personal. And without Lucy's help, I'm sure my head would have exploded by now."

—Andrew Merz

"I recently moved our home & auto insurance to Gentry & Assoc. I have worked with both Amanda and Courtney. They both have been a great help with the translation and are always quick to reply to my email requests. If you’re looking to shop your insurance, give them a shot!"

—Kim Maisel

"I was switching over from another insurance provider and they made it the easiest thing possible for me. Anything I had questions on they knew and if I had to send them information about anything I can shoot my agent with a quick picture of the information over a text! Friendly, and honest people."

—Donny Stimax

"Amanda , Has always been a very great!!! agent with Gerety Insurance. Thank you Amanda for working very hard to help me stay Insured & Communication and making sure I get the right information . I wish everybody with Nation Wide a happy holiday & Thank you for what y’all do for us."

—Michael Giles

"As a customer of Gerety Insurance for many, many years, we could not be more pleased with the outstanding customer service and knowledge of the industry. Always available in a timely fashion to change/adjust policies as needed in our changing world. Highly recommend."

—Grace M. Manger