Liquor Liability Insurance: Protect Your Business from the Unexpected
Serving alcohol at your business or event can be a great way to create memorable experiences, but it also comes with unique risks. Whether you own a bar, restaurant, or catering service, or you’re planning a special event, liquor liability insurance protects you from potential lawsuits and damages caused by alcohol-related incidents. At The Michaels Group, we help you serve responsibly and confidently, knowing your business is covered.
Why Choose The Michaels Group?
- Specialized Expertise: We understand the unique needs of businesses that serve alcohol and tailor policies accordingly.
- Access to Top Carriers: Partnering with over 25 leading providers ensures you get the best rates and coverage.
- Customizable Coverage: We work with you to build a policy that matches your business size, location, and risk level.
- No Broker Fees: Receive expert advice and service at no additional cost.
- Trusted Experience: With decades of industry knowledge, we guide you through the process with clarity and confidence.
Key Features of Liquor Liability Insurance
Third-Party Injury or Damage
Covers costs if a customer causes injury or property damage due to intoxication.
Legal Defense Costs
Protects your business by covering legal fees and court costs if you’re sued
Coverage for Events
Ideal for weddings, parties, or corporate events where alcohol is served.
Optional Add-Ons
Customize your policy with additional protections like general liability or property insurance for added security.
FAQs About Liquor Liability Insurance
Who needs liquor liability insurance?
Any business or individual serving or selling alcohol, including bars, restaurants, caterers, and event hosts, should consider liquor liability insurance.
Does liquor liability insurance cover underage drinking incidents?
Coverage depends on the circumstances, but policies often provide protection if all reasonable precautions were taken to prevent underage service.
Is liquor liability included in general liability insurance?
Typically, no. Liquor liability insurance is a separate policy designed specifically for businesses or events that serve alcohol.
What happens if I host an event and someone causes damage after drinking?
Liquor liability insurance can cover damages or legal fees if you’re held responsible for alcohol-related incidents.
