What You Need to Know about Alcohol-Related Incidents at Weddings

According to a study done by Alcohol.org, 53% of Americans prefer boozy weddings instead of dry ones. In another study done by Total Wine & More and BevMo! It was found that 70% to 80% of guests imbibe beer and wine while 20% to 30% prefer hard spirits. When it comes to who is reliable for alcohol-related claims, it is important to know if the bartender or host is. Some venues may require you to have wedding liquor liability insurance. If you plan on hosting an event or serving alcohol at a wedding, we recommend you double-check with the venue on what they require you to have in order to serve alcohol. Even if your venue doesn’t require liquor liability insurance, we still recommend that you add liquor liability insurance for weddings. By adding it to your general liability insurance policy, you can avoid hefty claims costs.

Liquor Liability Insurance for Weddings

Safeguard your business with alcohol insurance for weddings so you make your client’s big day the best it can be.

1-3 Days

^$275^*

*Prices vary by state

What Is Wedding Liquor Liability Insurance?

Wedding liquor liability insurance protects businesses that serve alcohol at weddings, such as bartenders and caterers. The policy includes general liability coverage for common claims like third-party bodily injury and property damage, plus liquor liability for damages caused by intoxicated guests.

What Does Wedding Liquor Liability Insurance Cover?

Wedding liquor liability insurance covers alcohol-related claims for businesses that serve alcohol at weddings — such as bartenders and caterers — offering financial protection from business-related claims.

If an intoxicated guest gets hurt, injures somebody else, or causes property damage, you could be held liable. Liquor liability insurance for weddings can cover legal fees, medical bills, and repair costs if you’re found financially responsible for these damages.

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?

The cost of liquor liability for weddings starts at $275 for up to 3 days of coverage with Insurance Canopy.

Even if the wedding is a one-day event, the 2 extra days of coverage protect you during set-up and teardown!

The number of people attending the event, the location, and how long you’ll be serving are all factors that may affect how much you’ll pay for wedding alcohol insurance.

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 Wedding Liquor Liability Insurance

Log in to your user dashboard
Click “Add A Policy”
Choose which liquor liability policy you want
Enjoy instant coverage for your event

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Wedding Liquor Liability Insurance Coverage Details

Basic Coverage Limits Shown Below

General + Host Liquor Aggregate Limit

The most your policy will pay for bodily injury and property damage claims that you become legally obligated to pay.

$2,000,000

Products & Completed Operations Aggregate

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.

$1,000,000

Personal & Advertising Injury

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

Each Occurrence Limit

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

Damage to Premises Rented to You

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

Medical Expense Limit (Any One Person)

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

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Have Questions?

Our licensed agents are available to answer any questions you may have (se habla español)

FAQs About Alcohol Insurance for Weddings

What Are Some Examples of Wedding Liquor Liability Claims?

One of the guests has too much to drink and causes a car accident while driving home. Both the driver and the people 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 cleaning or replacing the carpet.
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?

Most wedding venues require vendors serving alcohol to carry liquor liability insurance as part of their contract. Even if it’s not mandatory, you should still have alcohol insurance for the weddings you bartend or cater to avoid paying costly claims out of pocket.

Does General Liability Insurance Cover Alcohol-Related Incidents at Weddings?

General liability insurance does not pay for alcohol-related claims. It only covers third-party injuries and property damage related to your business operations. You need both general and liquor liability insurance to protect your business from every angle.