This liquor insurance coverage applies to caterers, food trucks, concessionaires, and private chefs. Best for businesses who serve alcohol and food. General Liability policy included.
365 days of coverage
Free & Unlimited Additional Insureds
General Liability limits:
$1 Million Occurrence / $2 Million Aggregate
Liquor Liability options up to: $1 Million Occurrence / $2 Million Aggregate
Assault and Battery: $25,000 limit
Inland Marine (Tools & Equipment)
Starts at $453/Year
This alcohol liability policy fits caterers, food trucks, concessionaires, private chefs, and bartenders. Best for businesses who need long-term alcohol coverage. General Liability policy required.
365 days of coverage
Free & Unlimited Additional Insureds
Liquor Liability options up to: $1 Million Occurrence / $2 Million Aggregate
Assault and Battery: $25,000 limit
Starts at $300/Year
This event alcohol insurance policy is ideal for caterers, food trucks, concessionaires, private chefs, and bartenders. Best for businesses who need short-term alcohol coverage. General Liability policy included.
Up to 3 days of consecutive coverage
Free & Unlimited Additional Insureds
Liquor Liability options up to: $1 Million Occurrence / $2 Million Aggregate
Starts at $150/Event
This liquor liability insurance for events is ideal for caterers, food trucks, concessionaires, private chefs, and bartenders. Best for businesses who need short-term alcohol coverage. General Liability policy required.
Up to 3 days of consecutive coverage
Free & Unlimited Additional Insureds
Liquor Liability options up to: $1 Million Occurrence / $2 Million Aggregate
Starts at $100/Event
You can get your free quote in just a few minutes. Ready to buy? Enroll when and where it works for you through our convenient online application.
Whether you only need liquor insurance or general liability, too, FLIP offers an array of options to fit your business.
You can serve up cocktails without worry when you safeguard your business with insurance tailored to your unique needs.
Immediate access to your Certificate of Insurance (COI) when you purchase your policy.
Liquor liability insurance protects businesses that sell, serve, or distribute alcohol . It covers bodily injury and property damage claims caused by an intoxicated customer you served.
A basic general liability policy does not cover alcohol-related claims, which is why it’s crucial for bartenders, caterers, and any other vendors who serve alcohol to carry liquor liability coverage.
Anyone who is in the business of selling, serving, or distributing alcoholic beverages to the public needs to have a liquor liability policy.
Any vendor subject to dram shop laws needs liquor liability insurance, including :
Whether you specialize in serving up drinks or you have a food business that just happens to feature alcohol on the menu, Food Liability Insurance Program (FLIP) covers business owners like you.
Selling alcohol opens you up to plenty of risks, which is where liquor liability insurance comes in. If an intoxicated customer causes an accident, liquor liability can help mitigate or eliminate your financial responsibility.
Most states have dram shop laws that hold you liable if you serve a minor or overserve a customer who goes on to cause bodily or property damage.
A liquor liability policy can help pay for the resulting legal fees, medical bills, or other related expenses.
The application is usually a simple process. We will need:
The online application process takes about 15–20 minutes . If eligible, you can finalize your policy and receive your documentation as soon as you make your first payment!
If you need a more customized quote, the process could take longer, but we have a dedicated team ready to assist you.
If your business sells or provides alcohol, liquor liability can protect you from a variety of common claims . Here are just a few examples:
In each of these scenarios, liquor liability insurance could help cover the cost, saving you from a huge out-of-pocket payout.
*Assault and Battery is an optional coverage that you can add on to your FLIP policy.
Liquor liability coverage helps pay for third-party damages caused by an intoxicated customer . This can include:
Liquor liability insurance does not cover claims that fall under other coverage types, including general liability, workers’ compensation, or Tools and Equipment Coverage.
In other words, your liquor liability insurance only covers claims associated with serving alcohol.
Additionally, your coverage could be void if you don’t fulfill your policy’s guidelines. These rules, or warranties, include:
Liquor liability insurance costs vary depending on your state, gross annual liquor sales, and requested limits. Premiums can be as low as $61 per month .
FLIP offers four different insurance policies with coverage and pricing to suit your unique needs:
Starts at $100/Event General Liability Starts at $150/Event Starts at $300/Year Starts at $453/YearTo purchase a liquor liability policy, you need a separate or existing general liability policy. The cost of liquor liability insurance depends on the following factors:
FLIP offers a streamlined online purchasing experienc e, so you can pick your policy, pay, and get back to work in no time.
We offer a range of products to suit your business , so you can find exactly the coverage you need at a price that fits your budget.
Plus, once you choose your plan, you can view your policy, make changes, or submit a claim 24/7 via your online dashboard .
