Agency coverage · Liquor liability
Liquor Liability Insurance
Liquor liability for businesses that sell or serve alcohol — distinct from host liquor on a one-day event policy for weddings and private parties.
Liquor liability is designed for businesses that manufacture, distribute, sell, or serve alcohol as part of their operations. It is not the same product as host liquor liability on a one-day special event policy.
Host liquor vs liquor liability
| Situation | Typical path |
|---|---|
| Wedding or private party host serving alcohol | Host liquor liability guide and Get Covered |
| Caterer, bar, or business selling/serving alcohol | Liquor liability / agency conversation |
If you are unsure which applies, describe how alcohol will be provided when you request coverage.
Who usually asks about liquor liability
- Caterers and beverage vendors
- Venues that sell alcohol
- Businesses furnishing alcohol for a charge
- Planners coordinating commercial alcohol service
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