If your business serves or sells alcoholic beverages, you take on a special kind of risk: If a customer gets intoxicated at your place and then causes an accident, injures someone, or causes damage, your business can be held responsible. Liquor Liability Insurance protects your restaurant, bar, food truck, or store against those kinds of claims, helping cover the legal costs and damages that your general policy normally leaves out. In many cases, it is also a requirement to get or renew your liquor license. At Omega Insurance, we understand your industry and compare carriers to find coverage that fits your business and your budget. Get your free quote today.
Helps cover injuries or damage caused by a person who was served at your business, once they leave your premises.
Helps cover attorney fees, court costs, and settlements when your business faces a covered claim related to alcohol service.
Covers situations such as fights or accidents involving alcohol that happen inside your business.
Covers damage to others’ property caused by an intoxicated customer at your business.
In many states and localities, it is required to obtain or maintain your alcohol sales license.
A single claim can be very costly. This coverage helps keep one incident from putting everything you’ve built at risk.
If your business serves or sells alcohol whether it is a restaurant, a bar, a food truck, a store, or an event venue, this coverage is almost always necessary. Many owners find out too late that their General Liability does not cover claims involving alcohol, and that without Liquor Liability they are exposed right where their biggest risk lives. On top of that, it is often required to get a liquor license or to sign contracts with vendors and venues. At Omega, we explain your options, compare carriers, and help you find coverage that aligns with your business, your risks, and your budget.
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We help you find Liquor Liability coverage that protects your business against claims involving alcohol. Our team reviews options across trusted carriers to find the protection that fits your type of business, your requirements, and your budget.
It is a commercial coverage that protects your business when a customer who drank alcohol at your place causes harm or injury to others. It helps cover the related legal costs and damages, which your general policy normally leaves out.
Usually, no. Most General Liability policies specifically exclude claims involving alcohol. If your business serves or sells drinks, you need separate Liquor Liability coverage. At Omega, we explain what each policy covers so there are no gaps.
It depends on your State and locality, but in many cases it is required to obtain or renew a liquor license, and many landlords and vendors require it as well. At Omega, we review your requirements and help you meet them.
The cost depends on your type of business, your alcohol sales, your location, your history, and your coverage limits. A bar carries a different risk than a restaurant or a store. At Omega, we compare carriers to fit your operation and your budget.
Often, yes. Stores, liquor stores, and grocery shops that sell alcohol can also face claims, even though the risk is different from a bar’s. As an independent agency, Omega reviews your case and compares options to find the right coverage for your type of business.
