Liquor Liability
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Liquor liability coverage, in general, provides coverage for property damage or bodily injury claims that the insured could be held liable for as a result of:

  • Helping to cause or contributing to the intoxication of a patron.
  • Selling or making alcohol available to obviously intoxicated patrons.
  • The violation of any law or ordinance regarding the use, sale, distribution or gift of alcoholic beverages

The coverage only applies if the insured:

  • Makes, sells, or distributes alcoholic beverages.
  • Serves alcohol for free at a licensed event.
  • Serves alcohol for a price, whether or not this activity is part of the insured’s livelihood or business.