Liquor liability insurance is critical for businesses that provide alcohol to customers. Alcohol consumption can lead to accidents, injuries, property damage and even legal issues, but liquor liability insurance can help businesses mitigate the financial consequences of such incidents. For instance, it may help protect a business’s assets and reputation after an alcohol-related incident, ensuring the establishment can continue operating responsibly and sustainably. Liquor liability insurance also helps safeguard customers, as it promotes responsible alcohol service and encourages businesses to adhere to regulations and best practices. 

What Is Liquor Liability Insurance? 
Liquor liability insurance can help protect a business that serves, sells or distributes alcohol. It may help cover claims involving an intoxicated patron after the establishment served them alcohol. Liquor liability insurance may help cover legal costs, settlements and judgments, repair costs for property damage and medical bills to treat an injury. Without liquor liability insurance, a business would have to pay for costly incidents out of pocket, which could result in financial and reputational damages. 

Liquor liability insurance can typically be purchased as a standalone policy or as an endorsement to a business insurance policy. Speak with your agent to understand available options. 

What Types of Businesses Need Liquor Liability Insurance in New York? 
Businesses that manufacture, sell, serve or facilitate the use or purchase of alcohol generally need liquor liability insurance. This may include the following: 

• Bars 
• Taverns 
• Restaurants 
• Wineries and breweries 
• Liquor stores 
• Grocery stores 
• Caterers 
• Convenience and drug stores 
• Banquet halls 
• Night clubs 

What Does Liquor Liability Insurance Cover? 
Liquor liability insurance may help cover liability claims related to the following situations: 

• Assault and battery—If your business served alcohol to a customer who causes physical harm to another person. 
• Drunk driving—If a customer your business served or sold alcohol is involved in a car accident resulting in property damage or bodily injury. 
• Property damage—If your business served alcohol to someone who damages another person’s property. 

How Much Does Liquor Liability Insurance Cost? 
The following are some of the factors that may influence the cost of liquor liability insurance: 

• Type of business 
• The location of the business 
• Coverage limits 
• Number of liquor sales 

How to Get Liquor Liability Insurance in Riverhead, NY 
Contact Lupton & Luce, Inc. today to learn more about liquor liability insurance or to get a free quote. We can help ensure your business has the appropriate coverage for your specific operations. 

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.