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Coverage for bars, restaurants, and events, because one drink too many shouldn’t ruin your business.
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Why You Need Liquor Liability
Running a bar, restaurant, or event where alcohol is served is always a good time, until one bad decision changes everything. When alcohol is involved, accidents and lawsuits can come fast, and the costs can sink your business overnight.
Most general liability policies exclude alcohol-related incidents. That means if a guest leaves intoxicated, gets into an accident, or starts a fight on your premises, you could be on the hook, personally and financially.
What Types of Business Insurance Do You Need?
We offer customized Business Insurance packages, no matter your industry, size, and risk profile.
General Liability Insurance
Protects against claims of bodily injury, property damage, or advertising injury. Required by landlords, clients, or licensing boards.
Commercial Property Insurance
Covers buildings, inventory, furniture, and business equipment.
Available as part of a Business Owners Policy (BOP).
Business Owners Policy (BOP)
Combines general liability + property + loss of income.
Ideal for small to midsize businesses.
Professional Liability (E&O)
Covers mistakes, errors, or omissions in your work.
Essential for consultants, real estate pros, and service-based businesses.
Commercial Auto Insurance
Covers company-owned vehicles or employees using cars for work. Includes liability, physical damage, and hired/non-owned auto.
Workers Compensation
Mandatory in most states once you hire employees.
Covers work injuries, medical costs, and lost wages.
Cyber Liability Insurance
Protects against hacking, data breaches, and digital theft.
Highly recommended for businesses with customer data or e-commerce.
Umbrella Liability Insurance
Adds extra liability coverage above all other policies.
Protects your assets from major lawsuits or claims.
Liquor Liability Coverage Options
Protect your bar, restaurant, catering, or event from alcohol‑related claims and real‑world risks.
Liquor Liability
Bodily injury & property damage from serving alcohol.
Host Liquor Liability
For those not in the business of selling alcohol.
Assault & Battery (A&B)
Coverage for fights or forcible ejections.
Defense Costs
Attorney fees & legal defense for covered claims.
Damage to Premises Rented to You
Fire legal liability for leased spaces.
Third‑Party Injury & Property Damage
Claims involving intoxicated patrons.
Medical Payments
No‑fault medical coverage for guest injuries.
Additional Insureds & Contracts
Meet venue & landlord requirements.
Special Event Liquor
1–3 day policies for festivals & pop‑ups.
Hired & Non‑Owned Auto
For delivery or valet exposures.
Who Needs This Coverage
Bars, Pubs & Taverns
Primary exposure: on-premise alcohol service and late hours.
Restaurants Serving Alcohol
Beer/wine or full bar—servers pour, you carry the risk.
Nightclubs & Lounges
Higher risk with entertainment, crowds, and bottle service.
Hotels, Resorts & Casinos
On-site bars, banquet service, room service, and minibars.
Breweries, Wineries & Distilleries
Tasting rooms, tours, festivals, and off-premise events.
Liquor, Wine & Beer Stores
Off-premise sales; ID checks and staff training are critical.
Caterers & Mobile Bartenders
Weddings, corporate events, pop-ups—temporary bars, real exposure.
Event Venues & Banquet Halls
If alcohol is served (even BYO), liability can follow you.
Festivals, Fairs & Special Events
Short-term/one-day events often need temporary liquor coverage.
Private Clubs & Social Organizations
Members and guests—clubhouse bars and hosted functions.
Grocery & Convenience Stores
Beer/wine sales create exposure beyond standard GL.
BYOB Restaurants & Venues
Allowing consumption on-premise can still create liability.
Nonprofit & Charity Events
Galas and fundraisers with alcohol service need protection too.
Don't see Your Business?
OnePoint covers additional business types not listed
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Solutions for online and physical stores to boost sales and streamline operations.
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Tools to attract diners, manage bookings, and grow your food business.
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Build stronger client relationships and manage projects efficiently.
Read More →Nonprofits & Religious Organizations
Engage communities, manage donations, and grow your mission.
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Solutions for salons, spas, and barbershops to attract and retain clients.
Read More →Professional Services
For legal, finance, and consulting firms to manage clients effectively.
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Industry solutions to scale operations and serve clients better.
Read More →Don’t see your industry? We probably cover it. Ask us
Why Businesses Trust OnePoint Insurance Agency
Fast, personalized quotes
Affordable plans with flexible options
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Claims support when you need it most
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Liquor LiabilityFrequently Asked Questions
Real talk about what’s covered, what’s not, and how to keep your venue protected.
QWhat is Liquor Liability insurance?
It’s coverage for claims alleging bodily injury or property damage caused by serving, selling, or furnishing alcohol—like overserving a patron who later injures someone.
QWho needs it vs. Host Liquor Liability?
Liquor Liability is for businesses that sell or serve alcohol as part of operations (bars, restaurants, caterers). Host Liquor is for those not in the business—e.g., a company party or wedding where alcohol is provided but not sold.
QIs it included in General Liability?
Usually no. Many GL policies exclude liquor-related claims if you’re in the business of selling/serving alcohol. You’ll need a separate Liquor Liability policy or endorsement.
QWhat are Dram Shop laws and why do they matter?
Dram Shop statutes create liability for serving intoxicated or underage persons. They vary by state, which affects underwriting, limits, and pricing. We tailor coverage to your state’s rules.
QDoes Liquor Liability cover Assault & Battery (A&B)?
Often excluded by default. You can usually "buy back" A&B coverage—crucial for nightlife venues, live‑music spaces, or bars with security/bouncers.
QAre defense costs inside or outside the limits?
Policies differ. Some include defense inside the liability limit (eroding your limit); others offer defense outside. We’ll show options and explain the trade‑offs.
QWhat limits do venues or landlords usually require?
Common requests: $1M per occurrence / $2M aggregate, plus Additional Insured, Primary & Noncontributory, and Waiver of Subrogation endorsements. Requirements vary by contract.
QCan I get coverage for a single event?
Yes. Special‑event policies (1–3 days or longer) are available. Choose Liquor Liability or Host Liquor depending on whether you’re selling/serving as a business.
QDo I need coverage if alcohol is free or BYOB?
Free drinks or BYOB can still create liability. Host Liquor may work for one‑off events; venues with recurring alcohol service should consider full Liquor Liability.
QHow are premiums calculated?
Key factors: annual alcohol sales, hours of operation, entertainment (live music/DJ), security practices, staff training (e.g., TIPS), claims history, state law, and requested limits/A&B.
QWhat documents help me get approved fast?
Liquor license (if applicable), incident/ejection log, written alcohol service policy, staff training records, security plan, and any venue/landlord insurance requirements.
QWhat’s not covered?
Typical exclusions: intentional or criminal acts, knowing service to minors, employee injuries (use Workers’ Comp), auto accidents (use Hired & Non‑Owned Auto), fines/penalties, and claims outside policy terms.
QHow fast can I get a certificate?
Often same‑day once underwriting approves. Tell us the venue’s wording (AI, P&NC, Waiver) and we’ll issue the COI to keep your event on schedule.
This is a general overview, not legal or tax advice. Coverage depends on your policy, endorsements, and state law.
Talk to a Real Agent
Call, text, or click. We’re ready when you are.
888-899-8117
555 NorthPoint Center E, Alpharetta
Georgia. 30022
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