Liquor Liability Insurance

overview

Coverage for Hospitality Businesses That Serve or Sell Alcohol

Liquor liability insurance helps protect hospitality businesses from claims arising out of the sale or service of alcoholic beverages. For businesses operating in a high-risk and highly regulated environment, this coverage is essential.

Hospitality Insurance Group provides liquor liability insurance to eligible hospitality businesses across Massachusetts, Connecticut, New Hampshire, North Carolina, Pennsylvania, Rhode Island, and Vermont.

eligibility

Liquor Liability Coverage Built for Hospitality

Businesses that serve or sell alcohol face significant exposure to unexpected claims, including bodily injury, property damage, and liquor-related incidents. Hospitality Insurance Group specializes exclusively in hospitality insurance, allowing us to tailor liquor liability coverage to the realities of the industry.

eligibility

Our liquor liability insurance is available to a wide range of hospitality businesses, including:

Bars and Taverns

Restaurants and Nightclubs

Convenience stores and package (liquor) stores

Social Clubs

Caterers and Special Events

Bowling Alleys

Other establishments that serve or sell alcohol

eligibility

State Liquor Liability Requirements

In certain states, liquor liability insurance is required by law.

Massachusetts

Massachusetts law requires businesses that serve or sell alcoholic beverages to carry liquor liability insurance with minimum limits of:

$250,000 per person

$500,000 per occurrence

Hospitality Insurance Group helps ensure your business meets applicable state requirements while maintaining strong coverage protection.

Assault & Battery Coverage Options

Liquor-related assault and battery claims present a significant risk for hospitality businesses. Hospitality Insurance Group offers Assault & Battery coverage by endorsement, with:

Full-limit options

Multiple sub-limit options

Coverage designed to address both liquor-related and non–liquor-related incidents

Additional insureds may also be added to the policy, when required.

Preferred Rates & Cost-Saving Opportunities

Eligible policyholders may qualify for preferred liquor liability rates, resulting in substantially reduced premiums. Additional savings may be available when businesses purchase:

Package policies

Combined general liability and liquor liability coverage

Hospitality Insurance Group also offers discounts for insureds who participate in approved risk-management programs.

Available discounts may include:

Membership in a state restaurant association

Participation in approved alcohol-awareness training programs

Use of approved age-verification systems

Participation in approved security training programs

Discount availability and requirements vary by state.

benefits & discounts

why us / get a quote

Why Choose Hospitality Insurance Group?

Specialized focus on hospitality and liquor liability risks

Coverage designed for real-world hospitality operations

Flexible limits and endorsement options

Competitive pricing and preferred-rate opportunities

Support for both business owners and independent insurance agents

Get a Quote or Learn More

To get a quote or learn more about our products and coverages, please contact your local independent insurance agent today or contact Hospitality Insurance Group.

call

877-366-1140

(toll-free)