Liquor Liability Insurance for Events
A+ rated event liquor liability insurance for caterers, bartenders, and more.
*Prices vary by state
Get the Best Event Liquor Liability Insurance from Insurance Canopy
A+ Rated Policy
Insurance Canopy’s A+ rated event liquor liability insurance protects your business with limits up to $2,000,000. Plus, our coverage lasts up to 3 days, ensuring you have protection for your entire event.
Instant Coverage
Whether it’s the same day you purchase your policy or three weeks from now, your event liquor liability insurance coverage kicks in when you need it.
Protection Against Costly Claims
A single claim could cost your business hundreds of thousands of dollars in out-of-pocket costs. Event insurance with liquor liability coverage from Insurance Canopy can mitigate or even eliminate your financial responsibility.
Event Liquor Coverage Details
Basic Coverage Limits Shown Below
The most your policy will pay for bodily injury and property damage claims that you become legally obligated to pay.
$2,000,000
The maximum amount your policy will pay for bodily injury and property damage claims that result from the products you use to perform your services. However, it does not cover your products that are sold or distributed.
The amount that your policy will pay for claims arising out of one or more of the following offenses:
– False arrest, detention, or imprisonment
– Malicious prosecution
– Wrongful eviction or wrongful entry
– Oral or written publications that slander or libels a person or organization
– Oral or written publication or material that violates a person’s right of privacy
– The use of another’s advertising idea in your advertisement
$1,000,000
The maximum the insurance carrier will pay for a bodily injury or property damage claim that you become legally obligated to pay.
$1,000,000
Applies to damage by fire to premises rented to the insured and to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.
$100,000
Reimburses others, without regard to the insured’s liability, for medical or funeral expenses incurred by such persons as a result of bodily injury (BI) or death sustained by accident under the conditions specified in the policy.
$5,000
What Is Event Liquor Liability Insurance?
Alcohol liability insurance for events protects your business from claims related to selling or serving wine, beer, and spirits.
Let’s say you’re bartending for an event where you accidentally overserve a guest. If that person gets behind the wheel and causes an accident, you could be held financially responsible for medical bills, legal fees, and repair costs. Liquor liability insurance for events helps pay for these types of expenses.
What Does Liquor Liability Insurance for Events Cover?
This coverage responds to business-related claims caused by intoxicated patrons. If a drunk guest damages the venue, gets hurt, or injures somebody, your Insurance Canopy policy can cover the resulting costs.
We also offer optional assault and battery coverage, which protects you in case a customer becomes intoxicated and starts a fight with another person.
Who Needs Event Insurance With Liquor Liability?
Any business that sells, serves, or provides alcohol at events needs liquor liability insurance. Some states legally require bartenders to have insurance before they can get a permit or license to serve. Additionally, most venues require vendors to provide a Certificate of Insurance (COI) as part of their contract.
Even if you’re not required to have liquor liability insurance for an event, it is still essential. A single claim can be detrimental to most small businesses, but insurance can absorb some or all of the cost.
How Much Does Liquor Liability Insurance for Events Cost?
Liquor liability insurance for events costs $275 for up to three days of coverage. The final price of your event liquor insurance policy varies depending on several factors:
- The state where you operate
- Your gross income
- The number of guests
- The length of the event
- Limit requirements
How to Get Special Event Liquor Liability Insurance
- Start the application process
- Fill out the necessary information
- Choose your insurance effective date
- Finalize your purchase
Other Liquor Liability Coverage Options
Are you ready to start bartending private events year-round? Insurance Canopy offers comprehensive annual liquor liability coverage for an unlimited number of events.
Are you an event host? If you want to serve alcohol responsibly, you need alcohol insurance for your party. Where liquor liability insurance protects businesses, host liquor liability provides a similar safety net for private event hosts.
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