If your business serves, sells, or distributes alcohol, you face unique liability risks. Liquor liability insurance protects you from claims related to the actions of intoxicated customers.
Liquor liability insurance covers claims against your business arising from the serving, selling, or distribution of alcoholic beverages.
Covers injuries caused by an intoxicated person you served — including DUI accidents.
Covers damage caused by an intoxicated patron to someone else's property.
Covers injuries from altercations involving intoxicated individuals at your establishment.
Pays for attorneys, court costs, and settlements for alcohol-related lawsuits.
Specifically covers claims under Utah's dram shop laws that hold you responsible for over-serving.
Covers businesses that serve alcohol at events but don't sell it (corporate events, private parties).
Any business that serves, sells, or is involved in the distribution of alcohol needs liquor liability coverage.
Costs range from $500–$5,000+/year depending on your alcohol sales volume, type of establishment, and claims history. Bars pay more than restaurants with limited alcohol sales.
While not legally mandated by the state, most landlords, franchisors, and licensing authorities require it. And given the dram shop liability exposure, operating without it is extremely risky.
No. Standard GL policies specifically exclude liquor liability for businesses that sell or serve alcohol. You need a separate liquor liability policy or endorsement.
If your business hosts events with alcohol service, you need either host liquor liability or special event liquor coverage. We can arrange both.
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