Liquor liability insurance
Host liquor liability insurance helps cover alcohol-related incidents and liabilities for small businesses that serve alcohol.
Several factors influence the cost of liquor liability insurance, including your type of business, the extent of coverage, and where your business is located. Businesses with more liquor sales typically pay more for coverage.
If your business sells or serves alcohol to a visibly intoxicated person who then causes injury or damages, liquor liability insurance can pay for legal fees, settlements, and medical costs.
The majority of states have dram shop laws that hold businesses liable for the actions of individuals who become intoxicated at their establishment.