Liquor Liability and Dram Shop Act Liability

Bars, restaurants, hotels, motels, and other businesses that sell, distribute, or serve liquor need coverage for their vicarious liability for injury or damage that arises out of acts of patrons to whom they have served alcohol. Specialty insurers write liquor liability coverage. It covers common law and statutory liability exposures for the businesses. Protection extends to owners, general lessees, or mortgagors of the property. Insurer interest in writing this coverage and the premium levels available vary based on the liquor liability laws in each state. Markets for this coverage include the following:

AVAILABLE MARKETS

Insurance agents and brokers that have customers in the liquor business and must place their liquor liability coverage can refer to these sections in The Insurance Marketplace, a publication of The Rough Notes Company, Inc.

• Bars
• Fraternal Organizations
• Liquor Dealers and Stores
• Liquor Liability (Host Coverage)
• Liquor Liability and Dram Shop Act Liability
• Micro Brewery/Brew Pubs
• Night Clubs
• Restaurants
• Wineries