Liquor Liability Insurance for Weddings
Safeguard your business with A+ rated alcohol insurance for weddings so your client’s big day is the best it can be.
*Prices vary by state
What Is Wedding Liquor Liability Insurance?
Alcohol insurance for weddings protects businesses that serve alcohol at weddings, such as bartenders and caterers.
The policy includes general liability coverage for third-party bodily injury and property damage claims, plus liquor liability for damages caused by intoxicated guests.
What Does Wedding Liquor Liability Insurance Cover?
Liquor liability insurance for weddings covers expenses stemming from alcohol-related claims for bartenders and caterers, offering financial protection from these costly claims.
If an intoxicated guest gets hurt, injures somebody else, or causes property damage, you could be held liable. This coverage can pay for related expenses, including:
- Legal fees
- Medical bills
- Repair costs
Do I Need Liquor Liability Insurance for Weddings?
Any business that sells alcohol at weddings needs liquor liability insurance for protection against expensive alcohol-related claims.
Are you planning a wedding where alcohol will be served? Host liquor liability insurance for weddings protects event hosts from liability claims caused by intoxicated guests.
How Much Does Liquor Liability Insurance Cost for Weddings?
Insurance Canopy’s A+ rated liquor liability policy starts at $275 for up to three days of coverage.
Even if the wedding is a one-day event, two extra days of coverage protect you during setup and teardown!
Factors that affect your cost include:
- Number of event attendees
- Event location
- Amount of time spent serving at the event
What You Get With Insurance Canopy’s Wedding Liquor Liability Insurance Policy
- A+ rated coverage
- Free online insurance quote
- Affordable, comprehensive coverage
- Long- and short-term options
- Customizable coverage
- Instant access to your Certificate of Insurance (COI)
How to Get Liquor Liability Insurance for Weddings
- Log in to your user dashboard
- Click “Add A Policy”
- Choose which liquor liability policy you want
- Enjoy instant coverage for your event!
Wedding Liquor Liability Insurance 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
FAQs About Alcohol Insurance for Weddings
What Are Some Examples of Wedding Liquor Liability Insurance Claims?
- An intoxicated guest causes a car accident while driving home. Both the driver and passengers in the other car are seriously injured.
- While pouring wine, your employee accidentally spills some on the venue’s carpet. The venue holds you responsible for replacing it.
- The groom’s brother drinks more than he should and loses his balance while dancing, breaking a table in his fall. You’re held liable for the damages because you served him alcohol.
Is Liquor Liability Insurance Required by Wedding Venues?
Yes, most wedding venues require vendors serving alcohol to carry liquor liability insurance as part of their contract. Even if they don’t, you still need alcohol insurance for the weddings you work to avoid paying costly claims out of pocket.
Does General Liability Insurance Cover Alcohol-Related Incidents at Weddings?
No, general liability insurance does not pay for alcohol-related claims. It only covers third-party injuries and property damage related to your business operations that don’t involve alcohol. You need both coverages to protect your business from every angle.
Liquor Liability Insurance
Does your business sell or serve alcohol year-round? Learn about our annual liquor liability policy and get the protection your business needs.
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