Liquor Liability Insurance for Bars, Restaurants & Venues
What Is Liquor Liability Insurance?
Liquor liability insurance protects businesses that manufacture, sell, serve, or help the consumption of alcohol. If a patron becomes intoxicated at your establishment and injures a third party — in a car accident, fight, or other incident — your business can be held legally liable under Dram Shop statutes.
Coverage Costs for Liquor Liability
| Business Type | Annual Premium Range |
|---|---|
| Restaurant (bar under 30% revenue) | $500–$2,000 |
| Full-service bar or tavern | $2,000–$8,000 |
| Nightclub / high-volume venue | $8,000–$25,000+ |
Frequently Asked Questions
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