Liquor Liability Insurance for Catering Businesses

General and liquor liability insurance cover different parts of your business, and you need both to protect the full scope of your operations.

General liability responds to third-party claims that don’t involve alcohol. For example, if a customer slips on a spilled drink near the bar and injures their back. On the other hand, liquor liability handles alcohol-related claims, like if an intoxicated customer backs their car into the venue’s deck and damages it.

Liquor liability insurance for caterers protects you at nearly any event where your business serves alcohol, including:

• Weddings
• Birthday parties
• Corporate events
• Anniversary parties
• Graduation parties
• Holiday parties

As long as your business has all legally required permits and licenses, you have coverage.

Operating without alcohol catering insurance could result in huge expenses for yourself and your business. If an intoxicated customer causes an accident, you could be forced to pay for court costs, hospital bills, repair fees, and other related costs out of pocket. This can lead to business closure and even bankruptcy.