A toast to responsibility - serve safely with XINSURANCE.
Your business or special event deserves the peace of mind only XINSURANCE’s liquor liability insurance solutions can provide.
The Importance of Liquor Liability Insurance
Liquor liability insurance is a crucial safeguard for businesses that provide the sale, service, or furnish of alcohol. It acts as a form of risk management that addresses the unique exposures these industries encounter. With the potential for incidents directly related to the consumption of alcohol, such as property damage or bodily injury claims, having an insurance partner who understands these challenges isn’t just prudent—it’s vital.
At XINSURANCE, we advocate for TRU Insurance. Fake insurance offers cheap policies that have gaps and exclusions that end up costing you more in the long run when a claim hits. Our TRU Insurance solution means you get a policy tailored to your business’s specific risks, ensuring a robust defense and support system that stands with you during claims, instead of disappearing. Why risk the foundation of your hard-earned business on subpar coverage? With XINSURANCE, what you see is what you get – no surprises, just solid support when it matters most.
Types of Business
XINSURANCE provides customizable liquor liability insurance solutions for businesses, venues, and other entities that provide the sale, service, or furnish of alcohol, including:
- Bars and Nightclubs
- Restaurants
- Event Hosts
- Liquor Stores
- Music Venues
- Caterers
- Breweries
- Wineries
- Hotels and Resorts
- Grocery Stores
- Sports Stadiums
- Casinos
- Festivals and Fairs
- And More!
What Does Liquor Liability Insurance Cover?
General Liability
Provides coverage for injuries and property damage sustained by third parties. Typically, you will need to have general liability coverage in order to get liquor liability coverage.
Special Events Liability
Covers bodily injury to a guest and property damage to the venue (such as the building or its equipment) for private and public events. Learn more.
Alleged Assault and Battery Liability
Coverage for claims against you regarding assault and/or battery.
Alleged Sexual Abuse and Molestation Liability
Coverage for claims against you regarding sexual abuse and/or molestation.
Animal Liability
Provides coverage for third-party bodily injury and property damage caused by an animal that you own. Learn more.
Commercial Auto*
Provides auto liability coverage for your company-owned or personally-owned vehicle primarily used for business purposes. Learn more.
*Available in most states
Communicable Disease Liability
This is a policy enhancement that provides coverage for negligent exposure to any Declared Pandemic Disease or Pathogen, including COVID-19. Learn more.
Firearms Liability*
Coverage for concealed carry, accidental discharge, self-defense, and more, for both personal and commercial use. Learn more.
*Available in most states
Personal Liability
Personal liability protection in the event of an accident and a claim is made against you. Learn more.
Premises Liability
Protects against claims for slips, trips, and falls on the property due to negligence.
Products Liability
Protects your business from claims that a product you made, sold, or distributed, caused third-party bodily injury or property damage. Learn more.
Property Coverage
Covers the building and its contents from weather-related risks, vandalism, theft, and more. Learn more.
Riot and Civil Commotion Liability
Liability protection against claims made from a riot or civil commotion.
TRU Umbrella
Additional coverage to fill the gaps and cover the exclusions in your existing policy. Learn more.
How To Get A Quote
Request Your Quote
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Specify Your Needs
We’ll schedule a call with you to consult on your needs, and collect more details
Get Your Custom Quote
We’ll use all the information provided to craft a highly personalized quote to address all of your specific insurance needs in one comprehensive policy
FAQs About Liquor Liability Insurance Coverage
What is liquor liability insurance?
Liquor liability insurance is a type of insurance coverage designed to protect businesses that sell, serve, or facilitate the use of alcohol. It can cover legal fees, settlements, and medical costs associated with damages or injuries caused by intoxicated customers.
Is liquor liability insurance required by law?
In many states, businesses that sell or serve alcohol are legally required to carry liquor liability insurance. The requirements can vary by state, so it’s important to check local laws.
Can I add liquor liability to my existing business insurance policy?
Yes, XINSURANCE can provide liquor liability coverage solutions to your existing insurance policy. We can provide a free policy review to see if there are any other gaps or exclusions on your existing policy that are leaving you exposed.
Can I get immediate coverage for a special event?
Yes, XINSURANCE can offer one-time event insurance solutions that include liquor liability coverage, ideal for weddings, festivals, concerts, corporate events, and other occasions where alcohol will be served.
Are servers and bartenders covered under liquor liability policies?
Yes, employees are typically covered while performing their job duties related to serving alcohol.
Does liquor liability cover drunk driving incidents?
Liquor liability insurance can cover claims arising from a patron causing an accident due to intoxication. However, coverage specifics can vary, so it’s crucial to understand your policy details.
Can I be insured if I've been dropped or rejected by an insurance company?
Yes, XINSURANCE can help you even if you’ve been declined, canceled, or non-renewed by an insurance company. We step in to provide an insurance solution when others can’t or won’t.
What are ``dram shop`` laws?
“Dram shop” laws hold alcohol-serving establishments accountable for harm caused by serving alcohol to visibly intoxicated individuals or minors. Liquor liability insurance helps protect against claims arising from these laws.
How much does liquor liability insurance cost?
The cost of liquor liability insurance depends on a variety of factors, including the business size, location, sales volume, and history of claims. The cost also varies widely depending on whether or not you want coverage solely for liquor-related incidents or if you also want coverage for general liability protection.
What our clients say
Insurance for all activities. Excellent product with total coverage for WHEN you need that extra help.
THIS IS INSURANCE I CAN TRUST TO PROTECT ME!
– Dave H.
They are amazing and always there to help you if you have any questions or concerns.
– Arlene A.
XINSURANCE is very easy to deal with. We didn’t have to wait forever for the information we needed. And the whole process of finding a plan that worked for us was almost too easy.
– Leslie A.
Your Trusted Team For Tackling the Unexpected
Fighting for You is What We do Best
At XINSURANCE, we believe in taking an active role in defending the interests of our customers. When an insured is facing challenges such as frivolous lawsuits or unfounded charges, we take pride in staying by their side.
Unique Requirements are Our Specialty
XINSURANCE specializes in covering the extraordinary cases that other agents lack expertise in. If you need something insured and can’t find a policy for it anywhere else — chances are our team will know exactly how to get you coverage for it.
Built-For-You Flexibility & Dedicated Support
The XINSURANCE approach to coverage is anything but “one size fits all”. Our specialty insurance experts work one-on-one with you to fully understand your circumstances, insurance needs, and high-risk areas up front. This means that by the time your policy is issued, we're fully prepared to support you through the worst-case scenarios — not drop you when an incident, claim, or lawsuit occurs.
More of Your Coverage - All In One Place
Though your policies won’t be “one size fits all,” XINSURANCE does take an all-in-one approach to insurance. This means that instead of buying several policies, we’re able to offer coverage solutions for your various needs all in one plan.
What You Can Expect From Our Team
Insurance solutions tailored to your needs
Expansive coverage options
Expert support when facing frivolous charges
Dedicated support & service
Bars and Nightclubs
Our insurance solutions for bars, nightclubs, and taverns have an all-in-one approach providing coverage for security guards, liquor liability, alleged assault & battery, active shooter coverage, and much more.
Small Businesses
We can provide customized liability insurance solutions tailored to your business’s unique needs. Even if another insurance company has declined, canceled, or non-renewed your business, we can still help you!
TRU Umbrella
TRU Umbrella coverage is customized to fit your unique needs by filling the gaps and covering the exclusions in your primary policy for work, home, and play.
