Liquor Liability Insurance
If your business serves or sells alcohol, you can be held responsible for harm caused by a patron after they leave. Liquor liability covers legal defense and damages arising from those claims — an exposure that general liability policies specifically exclude.
What it covers
- Bodily injury or property damage caused by an intoxicated patron
- Legal defense costs, including claims that are ultimately dismissed
- Assault and battery arising from serving incidents, depending on the policy
- Settlements and judgments up to your policy limit
Who needs it
Restaurants, bars, breweries, tasting rooms, caterers, and event venues — any business that serves, sells, or furnishes alcohol.
Landlords and event organizers frequently require proof of it before a lease or booking is confirmed.
Common gaps we see
General liability policies contain a liquor liability exclusion, so the coverage most owners assume they already have specifically does not apply here. Serving alcohol without it leaves the business exposed to exactly the claims it is most likely to face.
How SureNest helps
As an independent broker, we compare multiple carriers to match your situation with the right policy — not a one-size-fits-all plan pushed by a single insurer.