Coverage after last call
Liquor Liability Insurance for Events
An add-on that attaches to your Special Event Liability policy, not a standalone product. Required wherever alcohol is sold or professionally served. Protects the event holder from third-party claims caused by intoxicated guests, bodily injury, property damage, and assault & battery on most policies.
Quote in minutes. Your application is automatically saved as you go, and coverage dates include setup and teardown automatically.
From $275
Actual premium may vary based on underwriting review and event-specific factors.
- Standard Limits
- $1M/$2MStandard Limits
- Premium
- From $275Premium
- States
- All 50States
- Rated Carrier
- ARated Carrier
- Venue Acceptance
- 99.5%Venue Acceptance
Refund if we fail to meet venue requirements
Our certificates are accepted by 99.5% of US venues. If coverage requirements cannot be met, we'll work to correct the issue or provide a full refund.
What it covers
- Bodily injury caused by intoxicated guests to third parties
- Property damage caused by intoxicated guests
- Assault & battery (on most policy forms, confirm at bind)
- Legal defense costs even when claims are groundless
- Drunk-driving claims arising from the event (subject to state law)
- Host liquor: alcohol served free of charge to guests
- Commercial liquor: alcohol sold at the event for money
What it doesn't cover
- Service to guests under the legal drinking age (excluded)
- Service to visibly intoxicated guests after a refusal point
- Bartender or staff intentional acts
- Liability of the bartender's separate employer (their own policy applies)
- Liquor manufactured by the insured (manufacturer policy required)
Pricing examples
Actual premium may vary based on underwriting review and event-specific factors.
- Wedding, host liquor, 100 guests$275 to $395
- Wedding, cash bar, 200 guests$395 to $525
- Corporate event, host liquor, 500 attendees$485 to $645
- Festival day, beer/wine sales, 5,000$895 to $1,495
- Festival day, full bar sales, 10,000+$1,895+
How it works
- 1
Apply
Tell us about your event in 90 seconds.
- 2
Review & Submit
Instant quote on screen. Submit your application online.
- 3
Application Received
Your certificate of insurance will be issued after underwriting review and binding.
For organizers
One link. Every vendor covered. Stop chasing certificates.
Built for trade show, expo, and convention organizers. Each vendor enrolls in their own AM Best-rated general liability policy ($1M per occurrence / $2M shared group aggregate), as low as $100 per vendor depending on the number of vendors, event location, and event type, paid by the vendor. Designed for low-risk vendor categories.
From David
Alcohol changes the math. The minute someone is pouring, the venue wants paper that names them, and the state wants the right form for its dram-shop law. We write host or commercial, match the state, and put the venue on as additional insured. Then nobody at the bar is your problem.
Liquor Liability Insurance for Events FAQ
Related coverages
Built for these events
By the numbers
- Years protecting events
- 15+
- States served
- 50
Founded in 2011
Licensed in every state
Ready for liquor liability insurance for events?
Start online in minutes. Save and resume anytime, you'll receive a copy by email.
Need help? Call David at (833) 315-4791