Liquor Liability Insurance

Protect Your Business with Comprehensive Liquor Liability Insurance

When serving or selling alcohol, you need to be aware of the risks and responsibilities. At Gerety Insurance, we offer comprehensive liquor liability insurance to protect your business from potential liabilities and ensure you are covered in the event of alcohol-related incidents.

What is Liquor Liability Insurance?

Liquor liability insurance provides coverage for businesses that manufacture, sell, or serve alcohol. This includes restaurants, bars, wineries, breweries, event halls and liquor stores. This type of 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. 


 Coverage Options for All Types of Establishments

Whether you own a restaurant, a bar, or a liquor store, our tailored liquor liability insurance policies will meet your specific needs. Our policies include:

  • Liquor Liability Insurance for Restaurants: Protection for restaurants that serve alcohol, covering incidents related to the serving of alcohol on your premises.
  • Liquor Liability Insurance for Hosts: Coverage for businesses or individuals hosting events where alcohol is served, providing protection from liabilities arising from such events.
  • Dram Shop Insurance: This specific type of liquor liability coverage is essential for establishments that sell alcohol, covering civil liabilities and claims related to the sale of alcohol.

Understanding Your Liabilities

Sellers of alcohol have a responsibility to protect their customers and the public. Being civilly liable means a server or seller of alcohol could be held accountable for damages. Our liquor liability insurance helps mitigate these risks by providing comprehensive coverage.

What Does Liquor Liability Insurance Cover?

Liquor liability insurance covers a wide range of incidents, including:

  • Bodily Injury: Coverage for injuries sustained by patrons due to alcohol consumption at your establishment.
  • Property Damage: Protection against damages caused by intoxicated patrons.
  • Legal Fees: Coverage for legal expenses incurred in defending against claims.

How to Get Liquor Liability Insurance

Getting liquor liability insurance with Gerety Insurance is simple. Follow these steps:

  1. Request a Quote: Contact us for a liquor liability insurance quote tailored to your specific needs.
  2. Evaluate Your Needs: Our experts will help you determine the appropriate coverage based on your establishment and the services you provide.
  3. Select Your Coverage: Choose from our range of coverage options, including bar liability insurance, wine bar insurance, distillery insurance and bartender insurance.
  4. Get Covered: Once you’ve selected your coverage, we’ll finalize your policy, ensuring you’re protected from potential liabilities.

Liquor Liability Insurance Cost

The cost of liquor liability insurance varies based on factors such as the size of your establishment, the type of alcohol served, and your location. For example, liquor liability insurance in Maryland may differ in cost compared to other states. Contact us to get an accurate liquor liability insurance quote and find out how much liquor liability insurance costs for your business.

Liquor Liability FAQs:

Q: Why do alcohol manufacturers need liquor liability insurance?

A: Alcohol manufacturers need liquor liability insurance to protect against potential lawsuits arising from the consumption of their products. This includes claims of injury or damage caused by over-served patrons or defective products.

Q: What coverage does liquor liability insurance provide for distributors?

A: For distributors, liquor liability insurance covers legal fees, settlements, and medical costs associated with claims that their distributed alcohol products caused harm or damage.

Q: Who should consider purchasing liquor liability insurance?

A: Manufacturers, distributors, wholesalers, retailers, bars, and restaurants involved in the production, distribution, or sale of alcoholic beverages should consider liquor liability insurance to protect against related risks.

Q: Are there any legal requirements for liquor liability insurance?

A: Requirements vary by state and local laws. Some jurisdictions mandate that businesses selling or serving alcohol carry liquor liability insurance. It’s important to check specific legal requirements in the business’s operating area.

Why Choose Gerety Insurance?

At Gerety Insurance, we understand the complexities of liquor liability insurance and are committed to providing the best coverage for your business. Our team of experienced professionals will work with you to ensure you have the right protection in place, whether you need civil liabilities alcohol coverage, dram shop liability insurance, or host liquor liability coverage.

Get Started Today

Protect your business with comprehensive liquor liability insurance from Gerety Insurance. Contact us today to get a liquor liability insurance quote and secure your establishment against potential risks. 

Don’t leave your business exposed – ensure you’re covered with the best liquor liability insurance coverage available.



Liquor Liability Insurance Maryland

Liquor Liability Insurance Maryland