Boardwalk Insurance Group | Auto, Home, Commercial, Life and Health Insurance for Residents and Companies in the United States

TAG | liquor liability insurance

Liquor Liability Insurance 4.25/5 (85.00%) 4 votes

Liquor and alcohol comes in many shapes and sizes.  The effects it can have on people can be equally as varied.  For businesses that sell liquor and alcohol, liquor liability insurance is just as important as having a license to sell liquor.

Liquor liability insurance protects businesses that sell liquor from liability claims against them as a result of the actions of inebriated patrons.  If a drunk person leaves the bar, liquor liability insurance protects the business that provided the liquor from any damages the drunk person may cause.  Since damage caused by people under the influence, including the possibility of death, can be very significant, businesses that serve alcohol could be required to cover very expensive damages if they do not hold liquor liability insurance.

Monoline & Package Liquor Program

Targeted Classes Include:

  • Alcohol Manufacturers
  • B&B’s
  • Banquet Halls
  • Bars/Taverns
  • Bowling Alleys
  • Casinos
  • Caterers
  • Comedy Clubs
  • Concession Stands
  • Convenience Stores/Mini Marts
  • Country Clubs/Golf Courses with Club Houses/Restaurants
  • Grocery Stores
  • Hotel/Motels/Inns
  • Karaoke/Hostess Bars
  • Lodges
  • Nightclubs
  • Package Liquor Stores
  • Private/Social/Fraternal Clubs
  • Restaurants
  • Special Events
  • Wineries
  • Wholesale Distributors

Coverages Available (Monoline or Package):

  • Casualty
  • Liquor Liability
  • Property
  • Umbrella/Excess Liability
  • Hired and Non-Owned Auto


  • Minimum Premium: $500
  • Startups Can Be Considered
  • Assault & Battery Coverage Can Be Included with Optional “Silent” A&B

Liquor liability insurance can financially save a business that distributes liquor and other alcohol if alcohol sold at that establishment was determined to play a role in any damages.  To find the best liquor liability insurance, an independent insurance agent, such as a representative from Boardwalk Insurance Group, can do the work of shopping around to find the best liquor liability insurance available.  With 23 affiliated insurance providers and licensed to write policies in over half the United States, Boardwalk Insurance Group has the ability to take the time to understand your needs and create the most appropriate policy for you.

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Where to Find Cheap and Fast Commercial Insurance Quotes for Small Businesses and Owners 4.33/5 (86.67%) 3 votes

Small businesses are a very important part of the economy.  However, they face tough competition from large, name brand stores and frequently have to find unique ways to cut costs to lower their overhead and compete in a tough marketplace.  These small business insurance packages can help save money and protect the business.

Small business insurance takes big business policies and makes them more appropriate for the smaller settings that small businesses operate.  The coverage and limits of big business policies are generally not needed and small businesses do not want them.  This small business insurance package is perfect for many types of businesses.

Business types covered:

  • Grocery stores
  • Gas stations
  • Convenience Stores
  • Liquor Stores
  • Beverage Stores
  • Restaurants
  • Bars
  • Taverns
  • Clubs
  • Adult entertainment
  • Child care facilities
  • Janitorial contractors
  • Apartments
  • Rental dwellings
  • Homeowner associations
  • Condo associations

If you do not see your type of business here, contact Boardwalk Insurance to see if this policy can be adapted for your business


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Restaurant Insurance with Liquor Liability Coverage – From Sports Bars to Fine Dining 4.40/5 (88.00%) 5 votes

At fine dining restaurants, frequently quality liquor will flow freely as a complement to the dinner.  Fine wines and perfectly aged liquors can make any evening out go even more smoothly.  Restaurants that serve liquor, however face greater scrutiny to ensure that they are only serving to the correct people.

Liquor liability insurance is important to protect businesses from the costs that can be associated with the restaurant when liquor is found to be at fault for an accident.  For restaurants that cater to a clientele that expects a higher quality product, a higher amount of coverage is generally needed.  Liquor liability insurance for fine dining restaurants gives an important line of protection in the event liquor is deemed to cause an accident.

This product is specifically designed to accommodate the coverage and pricing needs for fine dining and white table cloth restaurants. Our Fine Dining eligibility requirements include:

  • Average entree price must be greater than $20
  • Average bottle of wine must be greater than $30
  • Number of bottles on the wine list must exceed 10
  • Incidental Entertainment is acceptable

Coverage Features:

  • Expense costs outside policy limits
  • Assault or Battery coverage available on most risks
  • Automatic coverage for Liquor License holder as additional insured
  • Employees included as insureds at no additional premium
  • No deductible
  • Credits available for responsible establishments with a formal third-party server awareness-training program
  • Landlord & Grantor of Franchise may be named as an additional insured for a nominal additional premium
  • Terrorism coverage included for no additional premium

Depending on the Laws in a State, Fine Dining Establishments can be held liable for actions of intoxicated or underage persons who are served alcohol.

  • Fine Dining Establishments can be put out of business without proper Liquor Liability coverage in place
  • The negligent service to a knowingly intoxicated patron can produce substantial verdicts or settlements
  • Even if an establishment is not found liable, it may cost hundreds of thousands of dollars to defend a claim
  • Underage drinkers make up a significant portion of alcohol-related traffic crashes

Liquor Liability Product Features:

  • Our Fine Dining Product offers our Preferred Restaurant Rates, regardless of the percentage of alcohol to food receipts
  • Limits available up to $1,000,000 occurrence/$2,000,000 aggregate
  • No Deductible
  • Employees automatically covered as an insured on the policy
  • Expanded definition of bodily injury
  • 15% credit per year on liquor liability insurance when your servers are trained. Visit, for more information


The Basic Product features Expense costs inside the limits of liability and an exclusion for Assault or Battery coverage

Main Entrée

Special of the Day

New Competitive Minimum Premiums starting at $500

The Top Shelf Product provides coverage for Expense costs outside the limits of liability, Assault or Battery coverage (included or optional), and includes the Liquor License Holder automatically included as an additional insured

Liquor liability insurance is absolutely necessary since an accident attributed to liquor can be very costly for both the person who causes it and the party that supplied the liquor.

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Insurance for Weddings and Other Special Events 4.60/5 (92.00%) 5 votes

Weddings should be a time of joy and celebration.  If you host weddings and other special events, do not let the prospect of liability claims or property damage dampen the event.  Insurance for special events protects you and your property from the costs of liability claims and property damage, ensuring you can afford to continue hosting events.

Special event insurance can be valuable for many facilities that host private events and special occasions.  Special event insurance can cover a wide variety of claims, protecting from property damage, general liability, and liquor liability.  Do not let your facility get caught off guard with no protection in place.


  • General Liability and host liquor liability coverage included with separate limits (important if there are multiple large claims)
  • Coverage for property damage caused to the rented banquet hall facility
  • Medical payments coverage is provided
  • Food and beverage product liability is included
  • No general liability deductible
  • $1,000 sublimit for lost deposits (cost to reimburse for a lost deposit if a vendor goes out of business, declares bankruptcy or fails to show up) included for no additional charge
  • Up to three additional insureds including the banquet hall facility owner can be included for no additional charge
  • No deductible
  • Defense Costs are outside policy limits
  • Limits of  $1,000,000/$2,000,000 available


  • Property Damage: Facility walls were damaged when children smeared chocolate from the chocolate fountain.
  • Property Damage: A guest spilled an entire glasses of red wine on the carpet.
  • General Liability: Five guests became sick from eating spoiled food from an outside caterer. They are seeking coverage for their medical payments.
  • General Liability: The bride’s cousin fell on the dance floor and broke her leg. She is seeking coverage for her medical bills.
  • Liquor Liability: The bartending service hired to serve alcohol at the wedding negligently served alcohol to an intoxicated or underage person.


  1. The banquet hall may be held liable for the actions of those selling or serving alcohol at the wedding.
  2. It may cost thousands of dollars in defense costs to prove you are not liable for a liquor liability claim.
  3. You can be brought into a claim if the wedding couple does not have a liquor liability insurance policy in place.

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Restaurant Insurance with Liquor Liability Coverage 5.00/5 (100.00%) 2 votes

Do you own a restaurant?  Do you serve alcohol?  If so, you are required to carry a general liability insurance policy along with liquor liability insurance coverage.  Boardwalk Insurance Group, through it’s various brokers and carriers, has a plethora of programs available for all restaurants, cafes, etc.  Whether you are a casual diner or a 5 star restaurant, we have the right product for you.

Eligible Risks Can Include:
•    New Ventures
•    Dancing
•    Entertainment
•    Bouncers
•    Nightclubs
•    Adult Entertainment
•    Prior claims and/or violations

Coverage and Product Features:
•    General Liability coverage
•    Liquor Liability coverage
•    Property coverage
•    Equipment Breakdown coverage, which includes a $250,000 sublimit for food spoilage
•    Crime coverage
•    Employment Practices Liability
•    No liability deductible
•    Assault or Battery coverage is available on most risks for Liquor Liability
•    Excess limits available for General Liability
•    Non owned and hired auto coverage available if no delivery
•    Value Plus endorsement is available on accounts eligible for Special Form. The endorsement offers 13 valuable coverage enhancements including: Money & Securities, Employee Dishonesty, Signs, Water Back-up and more
•    No inspection or issuance fees

Limits of Insurance:
General Liability limits up to:
•    $1,000,000 each Occurrence/$2,000,000 Aggregate
Liquor Liability limits up to:
•    $1,000,000 each Occurrence/$2,000,000 Aggregate
Property limits up to:
•    $1,500,000 maximum property value in protection class 1-8
•    $250,000 maximum property value in protection class 1-9
•    $500,000 maximum property value per location in coastal zones (wind exclusion applies on building coverage)


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