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For businesses and individuals

If you’re an owner of an establishment that sells or supplies alcohol to customers or you host events where you serve liquor, you face some unique liability risks. For example, if an intoxicated guest is involved in an auto accident after leaving your company’s Christmas party or an inebriated individual at your bar gets into a fight with another patron, you could be held fully or partially responsible for the damages.

If an injured party decides to sue you for negligence, a subsequent court judgment or financial settlement could severely cripple your operation or even put you out of business.

Liquor liability insurance is essential for protecting your assets if an incident occurs. This type of insurance will fill the coverage gaps in your general liability plan (standard GL policies typically exclude liquor liability unless they are specifically added for an extra premium), which can help you avoid a financial catastrophe.

liquor liability insurance
liquor liability insurance


What Does Liquor Liability Insurance Cover?

XINSURANCE provides customizable liquor liability insurance solutions for restaurants, bars and taverns, caterers, grocery stores, microbreweries and wineries, liquor stores, and other entities that manufacture, distribute, sell, or serve alcohol. Depending on your needs, you can get coverage for:

  • Liquor only: Covers liquor-related incidents but offers no general liability protection
  • Special events: Covers incidents resulting from parties, wedding receptions, and similar events that you host
  • Foam parties: Coverage for injuries incurred during dance parties that have a foam machine for dispensing suds and bubbles across the dance floor
  • Pyrotechnics: Liquor-related mishaps that involve the use of items such as flares, flash pots, line rockets, and squibs
  • Personal liability: Protects employees such as bartenders, servers, and bouncers
  • Amusement devices: Liability protection for the use of gambling machines, pool and foosball tables, mechanical bulls, and similar features
  • Off-duty police: Applies to incidents such as fights where off-duty officers intercede and cause injuries
  • Third-party security: Liability protection for incidents involving individuals you hire to provide security at your establishment or event
  • Concealed carry: Protects you if you use a registered firearm in a self-defense situation
  • Animal liability: Covers property damage and injuries caused by your pets while they’re on the premises
  • Sexual abuse & molestation: Protects against allegations of sexual misconduct by you or an employee
  • *Business auto: Covers injuries and property damage arising from accidents involving vehicles owned by your business
  • *Party buses: Applies to liability issues related to bus trips you sponsor where alcohol is available to passengers
  • *Mechanical bulls: Covers injuries and property damage related to the risks associated with mechanical bull riding in a bar to tavern (see Amusement devices for more information)

*Not available in all states


At XINSURANCE, we specialize in covering the risks that other insurance providers avoid. If you’ve been canceled, non-renewed, or turned down for a policy elsewhere, we’re ready to help. Get an all-in-one liability plan with limits up to $20 million that will give you true peace of mind.

Please contact us to get more information about liquor liability insurance or request a no-obligation quote today.

With XINSURANCE, you can purchase customized liability insurance coverage that will protect you in all the areas that your homeowners, employers, and business insurance policies won’t or can’t. Our underwriting team brings you over 40 years of experience, along with the ability to offer customized limits, coverage, deductibles, and premiums to create the perfect plan for your personal protection.

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