Liquor Liability Insurance
Your Liquor Business Insurance Solution
Providing liquor liability coverage to business owners is the cornerstone of Conifer. With over three decades of experience, our liquor liability program is designed for license holders seeking monoline liquor liability insurance.
Liquor Liability Insurance Program
PRODUCT HIGHLIGHTS
- Exclusive, A.M. Best A- Rated Carrier
- Policy Limits – up to $1M/$2M
- Assault & Battery – up to $1M
- 100% Liquor Receipts Acceptable
- Additional Insured Available
- Premiums Based On:
- Annual Liquor Receipts
- Risk Type
- No Deductible
- New Ventures Considered
Ready to have your Liquor business insured?
Target Classes
The dynamic liquor industry presents unique opportunities and challenges that demand specialized insurance solutions. As regulations evolve and consumer trends shift, businesses—from distilleries and breweries to bars, restaurants, and distributors—face complex compliance requirements, liability exposures, property risks, and product safety concerns.
Insuring Fine Dining & Family Restaurants
Having liquor liability insurance is a critical — and depending on the state, required — safety measure to mitigate the risks that are borne for restaurants that serve alcohol. In many cases, it’s needed in order to secure a liquor license. Some states also have dram shop laws, which are in place to hold businesses accountable for the actions of customers who are intoxicated and injures someone else or damages property. This could also include if a patron who became intoxicated at your establishment gets into a car accident or assaults another patron.
Tailored Coverage for Fine Dining & Family Restaurants
There are many different types of insurance for Fine Dining & Family Restaurants, but some common ones include:
- General Liability Insurance: This covers basic risks like customer injuries, property damage, and lawsuits.
- Product Liability Insurance: This protects you if someone gets sick or injured from your products.
- Property Insurance: This covers your building, inventory, and equipment in case of fire, theft, or other disasters.
Insurancing Bars, Taverns, Pubs, & Cocktail Lounges
Every time that your tavern or lounge serves a drink, a risk is absorbed. Often a requirement, liquor liability insurance will help cover costs wrought from accidents, including injuries to patrons. Given its’ unpredictable effects on patrons, owners risk facing countless unforeseen scenarios, including serving a minor with a fake ID, slip and falls, damaged property, or serving a customer who drives intoxicated and gets into an accident.
Tailored Coverage for Bars, Taverns, Pubs, & Cocktail Lounges
There are many different types of insurance for Bars, Taverns, Pubs, & Cocktail Lounges, but some common ones include:
- General Liability Insurance: This covers basic risks like customer injuries, property damage, and lawsuits.
- Product Liability Insurance: This protects you if someone gets sick or injured from your products.
- Property Insurance: This covers your building, inventory, and equipment in case of fire, theft, or other disasters.
Insuring Grocery & Convenience Stores
Our team has extensive experience underwriting policies for small to large sized independent supermarkets, grocery stores and convenience stores. Our coverage solutions are developed in conjunction with value-added risk engineering support and top claims service. We are driven to help our clients mitigate losses to lower their exposures and protect their business, staff, customers, community and good standing.
Tailored Coverage for Grocery & Convenience Stores
There are many different types of insurance for Grocery & Convenience Stores, but some common ones include:
- General Liability Insurance: This covers basic risks like customer injuries, property damage, and lawsuits.
- Product Liability Insurance: This protects you if someone gets sick or injured from your products.
- Property Insurance: This covers your building, inventory, and equipment in case of fire, theft, or other disasters.
Insuring Social/Fraternal Clubs
Fraternal Organizations and Social Clubs are primarily private member-based organizations that range from booster clubs and community groups to social and fraternal organizations. These nonprofits are created to serve their members, with primary funds coming from membership dues, donations and fundraising events. We can offer an all-in-one policy to meet the organization’s needs.
Tailored Coverage for Social/Fraternal Clubs
There are many different types of insurance for Fraternal Organizations & Social Clubs, but some common ones include:
- General Liability Insurance: This covers basic risks like customer injuries, property damage, and lawsuits.
- Product Liability Insurance: This protects you if someone gets sick or injured from your products.
- Property Insurance: This covers your building, inventory, and equipment in case of fire, theft, or other disasters.
Insuring Civic Organizations & Private Clubs
Similar to social clubs, civic clubs are membership-based and is often located in areas that are in close proximity to its members’ homes or offices. Typically members have to be invited, nominated or sponsored for consideration to be admitted. Liquor liability is a major exposure for civic organizations and private clubs; naturally higher percentages of liquor sales can result in greater liability exposure for these private clubs. Serving alcohol on-premises tends to lead to increased on-site physical altercations and injuries and intoxicated patrons involved in automobile accidents.
Tailored Coverage for Civic Organizations & Private Clubs
There are many different types of insurance for Civic Organizations & Private Clubs, but some common ones include:
- General Liability Insurance: This covers basic risks like customer injuries, property damage, and lawsuits.
- Product Liability Insurance: This protects you if someone gets sick or injured from your products.
- Property Insurance: This covers your building, inventory, and equipment in case of fire, theft, or other disasters.
Insuring Entertainment Venues & Nightclubs
Conifer offers superior liability program insurance specialized for live music halls and clubs and other event venues. We are an established leader in writing liquor liability policies to protect entertainment venues against damages resulting from someone getting hurt or damaging property due to an individual being intoxicated. Our underwriters have comprehensive knowledge of legislation that is specific to different states.
Tailored Coverage for Entertainment Venues & Nightclubs
There are many different types of insurance for Entertainment Venues & Nightclubs, but some common ones include:
- General Liability Insurance: This covers basic risks like customer injuries, property damage, and lawsuits.
- Product Liability Insurance: This protects you if someone gets sick or injured from your products.
- Property Insurance: This covers your building, inventory, and equipment in case of fire, theft, or other disasters.
Insuring Comedy Clubs & Dinner Theaters
Comedy clubs face a variety of unique liability risk exposures, including slip-and-fall accidents and inadvertent property or equipment damage. Comedy clubs are also distinct in that there are often fluid interactions between on-stage performers and the audience. This can lead to misunderstandings or arguments that, if escalated, can leave the club open to liability claims. This could include third-party claims from performers, harassment, negligence or discrimination.
Tailored Coverage for Comedy Clubs & Dinner Theaters
There are many different types of insurance for Comedy Clubs & Dinner Theaters, but some common ones include:
- General Liability Insurance: This covers basic risks like customer injuries, property damage, and lawsuits.
- Product Liability Insurance: This protects you if someone gets sick or injured from your products.
- Property Insurance: This covers your building, inventory, and equipment in case of fire, theft, or other disasters.
Insuring Billiard & Pool Halls
Billiard and Pool Hall insurance from Conifer provides coverage for businesses that own and operate billiard or pool halls. Our insurance programs protect these businesses against financial losses due to accidents or injuries that occur on the premises. We design our programs to protect billiard and pool hall owners from legal and financial repercussions if a guest is injured or property is damaged while on their property.
Tailored Coverage For Billiard & Pool Halls
There are many different types of insurance for Billiard and Poll Halls, but some common ones include:
- General Liability Insurance: This covers basic risks like customer injuries, property damage, and lawsuits.
- Product Liability Insurance: This protects you if someone gets sick or injured from your products.
- Property Insurance: This covers your building, inventory, and equipment in case of fire, theft, or other disasters.
Insuring Alcoholic Beverage Distributors
Conifer insures Craft Beer, Liquor and Wine Importers and Distributors, from small single brand importers to large-scale wine and spirit importers. Our programs are available exclusively through licensed insurance agents and brokers across all lines of coverage.
Tailored Coverage for Alcoholic Beverage Distributors
There are many different types of insurance for Alcoholic Beverage Distributors, but some common ones include:
- General Liability Insurance: This covers basic risks like customer injuries, property damage, and lawsuits.
- Product Liability Insurance: This protects you if someone gets sick or injured from your products.
- Property Insurance: This covers your building, inventory, and equipment in case of fire, theft, or other disasters.
Submissions & Downloads
SUBMISSION REQUIREMENTS
- Liquor Application, Acords or Competitor Applications
- Loss Runs
Completed applications and loss runs can be sent to CommercialLines@ConiferInsurance.com
MARKETING
Association Partners
MIRA is a multi-state trade association representing thousands of retailers operating in Michigan, Ohio and surrounding states. Our members include independent supermarkets, convenience stores, petroleum retailers, service stations, and specialty food markets.
Frequently Asked Questions for Liquor Liability Insurance
Conifer will consider standalone liquor liability coverage in Illinois, Michigan and Ohio at this time.
Liquor liability insurance is a type of coverage that protects businesses that sell or serve alcoholic beverages from potential legal claims arising from the actions of intoxicated patrons. This insurance can cover legal fees, settlements, and other related costs.
Liquor liability insurance typically covers legal expenses related to claims arising from injuries, property damage, or other incidents caused by an intoxicated person who was served alcohol on the premises. Coverage may include defense costs, settlements, and court-ordered judgments.
The requirement for liquor liability insurance varies by jurisdiction. Some states or local governments may mandate this coverage for businesses that sell or serve alcohol. It’s essential to check and comply with local regulations to determine if liquor liability insurance is required.
Dram Shop laws hold businesses that sell or serve alcohol responsible for any harm caused by a patron who was served alcohol illegally or irresponsibly. Liquor liability insurance often covers claims related to Dram Shop liability.
Ready to Help
Conifer Insurance partners with independent agents to provide specialized coverage for niche markets, offering personalized support and underwriting expertise. If you’re interested in becoming an agent or need a customized insurance quote, Conifer makes the process simple and efficient—delivering tailored solutions to fit your unique needs.