Liquor Liability

Covering Your Liquor Liability Risks

If your business sells, serves, manufactures or provides alcohol to patrons or guests under a state license, a Liquor Liability policy should be part of your business insurance portfolio.

Liquor Liability insurance may be offered as an addition, or endorsement, to a commercial liability insurance policy or as a separate, stand-alone policy. It can cover various risks and costs, depending on the coverage you choose, including:

  • Assault and battery liability
  • Bodily injury
  • Employee use liability
  • Legal defense costs
  • Mental, emotional, psychological damages
  • Property damage

It is typically designed to insure establishments, such as:

  • Bars
  • BYOB Establishments
  • Bowling Alleys
  • Breweries
  • Caterers
  • Clubs
  • Restaurants
  • Retail Stores
  • Taverns
  • Tasting Rooms
  • Vineyards
  • Wholesale Distributors

There are policies available for many other establishments, as well.

Keep in mind that liquor liability insurance won’t cover your business for the sale or distribution of alcohol in violation of state law. At DiNicola Insurance Services, we specialize in providing risk management services as well as top-quality insurance. We will talk with you about your liquor policies and enforcement, your regulatory compliance, and your training of staff, among other things. If needed, we can make recommendations to improve your risk profile.

Serve and sell responsibly to protect your business.

DiNicola Insurance Services provides commercial insurance, employee benefits, and risk management services in communities throughout the San Francisco Bay area, including San Mateo, San Jose, Alameda, and Marin County, California. To get started on a complete insurance program for your business needs, contact us by phone at 855.247.1912 or by email, or you can complete and send the form on this page.