Liquor Liability Insurance
Liquor liability insurance wholesaler for agents. Quote coverage for bars, restaurants, lounges, taverns, and events that serve or sell alcohol.
Liquor liability insurance covers claims that arise when an intoxicated patron your client served causes injury or damage. It responds where a general liability policy's liquor exclusion leaves the business exposed.
What liquor liability actually covers
- →Bodily injury and property damage caused by an intoxicated person the insured served
- →Assault and battery arising from alcohol-related incidents, on some forms
- →Dram shop and host liquor claims brought under state alcohol laws
- →Defense costs for suits tied to serving, selling, or furnishing alcohol
- •Often required by landlords, municipalities, and event venues before a license is issued
Who you should place it for
- ✓Bars, taverns, lounges, and nightclubs
- ✓Restaurants and breweries that serve alcohol
- ✓Caterers and mobile bartending services
- ✓Special events, festivals, and venues with alcohol sales
How to place it through Baker
- →Send us the class, total liquor receipts, and percentage of sales from alcohol
- →We quote liquor liability standalone or alongside the GL for the account
- →Tell us about server training and any assault and battery limits the client needs
** Terms used here are a summary only. Always refer to the policy form for actual terms, conditions, and exclusions.
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