Liquor Liability

drunk at bar to illustrate liquor liability

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LIQUOR LIABILITY INSURANCE provides coverage for bodily injury or property damage for which an insured may be held liable by reason of the following:

  • Causing or contributing to the intoxication of any person.
  • Furnishing alcoholic beverages to a person under the legal drinking age or under the influence of alcohol .
  • Violating any statute, ordinance, or regulation relating to the sale, gift, distribution, or use of alcoholic beverages.

This coverage applies only if the insured is involved in the following activities:

  • Manufacturing, selling, or distributing alcoholic beverages.
  • Serving or furnishing alcoholic beverages for a charge, whether or not such activity requires a license or is for the purpose of financial gain or livelihood.
  • Serving or furnishing alcoholic beverages without a charge, if a license is required for such activity.


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