Liquor application liability 2025

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Small businesses with a higher percentage of alcohol sales usually have more expensive premiums. For this reason, bars should expect to pay more for their liquor liability coverage than a restaurant or other businesses that also sell food.
Liability coverage includes property damage and bodily injury coverages. Property damage coverage insures against damage to another persons property caused by your vehicle.
For example, if an employee gets hurt trying to tip over the office vending machine (after drinking alcohol your company provided), you could be at fault. If he or she causes an accident while driving home from the party, you could also be at fault.
Consider the following Actual Claim Examples: (It could happen to you) A minor using a I.D. was drinking at a restaurant. While on the dance floor, an argument broke out with another patron. The minor hit the other patron near the eye with a beer bottle causing significant injuries and requiring eye surgery.
In these cases, liability could arise in the event of an accident or injury associated with the serving of alcohol. If your wedding reception venue requires liability insurance, and alcohol is available at the wedding, they will likely require that liquor liability (host liquor liability) coverage be included.
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