Liquor Liability Coverage for Businesses That Serve and Sell Alcohol

Tailored protection for bars, restaurants, venues, and retailers.

From local breweries to upscale dining, we help businesses reduce risk and stay compliant when alcohol is part of the equation.

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Coverage for the Real Risks Behind the Bar

Alcohol service can create unique exposures—from over-service incidents to third-party injuries and property damage. At Mallory Agency, we help licensed establishments understand their legal risks, meet state requirements, and build policies that respond to real-world claims.

What Does Liquor Liability Insurance Cover?

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Third-Party Injury & Property Damage

Covers claims where alcohol service is tied to injury or damage.

  • Protects against lawsuits for injuries caused by intoxicated patrons
  • Covers property damage claims resulting from alcohol-related incidents
  • Critical for bars, restaurants, and event venues
  • Helps meet legal requirements in most states
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Legal Defense & Settlement Costs

Liquor claims can get complicated quickly. This coverage helps with attorney fees, court costs, and negotiated settlements.

  • Legal fees covered from the first notice of claim
  • Helps protect your business reputation
  • Can reduce out-of-pocket expenses
  • Often required by landlords and event contracts
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Policy Options for Your Specific Operations

Liquor liability needs vary depending on how and where you serve.

  • Options for full-service restaurants, bars, caterers, and retailers
  • Standalone policies or packaged with general liability
  • Limits that match your risk profile and regulatory requirements
  • Flexible terms to meet state compliance rules

Get Liquor Liability Coverage That Supports Safe & Smart Service

Who Needs Liquor Liability Insurance?

If your business sells, serves, or distributes alcohol, this coverage is essential—even if you also carry general liability.

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Restaurants & bars
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Breweries, wineries & distilleries
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Event venues & caterers
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Liquor stores & retailers

What Sets Mallory Apart

State-Specific Compliance Knowledge

We help ensure your coverage meets local licensing and legal standards.

Restaurant & Hospitality Experience

We understand the operational realities of managing front-of-house risks.

Policy Layering for Better Protection

We coordinate liquor liability with general liability, umbrella, and event coverage.

Quick Turnaround for Certificates

Need to show proof of coverage to a landlord or event host? We move fast.

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Common Questions About Liquor Liability Insurance

  • Is liquor liability included in my general liability policy?

    Not typically. It must be added separately or through a specific endorsement.

  • What’s the difference between liquor liability and host liquor liability?

    Host liquor applies to non-commercial events. Liquor liability is for licensed businesses.

  • Do I need liquor liability for one-time events?

    Yes—temporary or event-based coverage is available and often required by venues.

  • Can I get this if I’m just starting my business?

    Absolutely. We work with new establishments to get the right protection from day one.

Let’s Keep Your Business Covered—Responsibly

Serving alcohol should never mean serving lawsuits. Let’s talk about coverage that protects your team and your patrons.