Liquor liability that's actuallyclearrequiredyoursfairclear
Serving alcohol creates a liability your general liability often excludes. We read your lease and license requirements, shop the carriers that write it, and keep you compliant.
Liquor liability, line by line.
What liquor liability covers, and why standard GL leaves it out.
| Coverage | What it covers | Good to know |
|---|---|---|
| Assault and battery | Incidents tied to an intoxicated patron | Often sublimited, read the number |
| Bodily injury | Harm caused by someone you served | Reaches off-premises in many states |
| Property damage | Damage tied to a served patron | The other half of a dram-shop claim |
| Legal defense | Defending a liquor-related suit | Confirm whether it sits outside the limit |
| Dram-shop exposure | Liability for over-serving under state law | The core reason this coverage exists |
| Special events | One-off or seasonal service | Often required by the venue or city |
Standard general liability commonly excludes liquor. We confirm whether your lease or license requires this and place it.
Lease or license asking for liquor liability? We can place it and certify it fast.
Neighbors we’ve actually helped.
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“Happy with the service and savings”
Carriers shopped
Avg. quote turnaround
Licensed in both states
Policy reviews, always
Liquor liability, answered.
The questions owners ask before they serve.
If you serve or sell alcohol, almost certainly. General liability usually excludes liquor-related claims, and many leases, licenses, and venues require the separate coverage. We confirm your specific requirement.
Usually no. Most GL forms carve out liquor liability, so a claim tied to a served patron would be denied without the standalone coverage. We read your form and close the gap.
Special-event liquor liability covers a single occasion and is often required by the venue or city. We place it quickly and provide the certificate.
Most quotes are back within 48 business hours, and special-event coverage often faster. We reply to any question within 2 business hours.
Ready when you are