Best Liquor Liability Insurance

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Why We Chose It: Westchester offers monoline liquor liability policies for businesses that serve and sell alcohol. Policy coverage limits are available up to $2 million for a variety of both licensed and unlicensed operations.

Westchester is a division of Chubb, the world's largest publicly traded property and casualty insurer, with operations in 54 countries. Additionally, it is one of the largest commercial insurers in the United States. The company is rated A++ (Superior) by AM Best. The National Association of Insurance Commissioners (NAIC) complaint index shows a lower than the average number of complaints by policyholders over the last three years.

Westchester's liquor liability policies are standalone (a.k.a. monoline) and cover businesses that serve and sell alcohol. Coverage of up to $2 million is available, and there is no cap on alcohol sales. Applications can be submitted online.

This coverage offers protection against claims of negligent sale or service. Plus, assault and battery coverage is either included or available for an additional premium, depending on your policy type. If there is a claim, the defense costs are outside the limit, and the liquor license holder is automatically included as an additional insured. Westchester policies are available in 42 states.

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Why We Chose It: Admiral offers liquor liability insurance as a standalone policy or as part of general liability coverage. Its policies are sold through wholesale brokers for a variety of liquor-related businesses, with few exclusions.

Admiral Insurance Group is a division of the publicly traded W. R. Berkley Corporation. It has been in operation since 1974 and provides excess and surplus line coverage for businesses with moderate-to-high degrees of hazard. W. R. Berkley is rated A+ (Superior) by AM Best and, as of August 2021, had a lower-than-average number of complaints in the last three years, according to the NAIC Index.

Customers can purchase liquor liability coverage as a monoline policy or add-on to their general liability insurance. Policies are available up to $1 million in scope and sold through its wholesale broker network. You may not buy insurance directly through this carrier.

Admiral covers a wide variety of liquor-related businesses, excluding concert venues, gentleman's clubs, mosh pits, and under 21 nights. Policies are available in 47 states, except Alabama, Alaska, and Iowa, along with Washington, D.C.

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Why We Chose It: Food Liability Insurance Program (FLIP) specializes in caterers and other short-term liquor liability needs. Policies are available for as little as one day and can be purchased online for immediate coverage.

FLIP is a specialty insurance program that is underwritten by the Great American Insurance Company (GAIC). GAIC is rated A+ (Superior) by AM Best, and it has lower-than-average claims for the last three years, according to the NAIC Claims Index.

Coverage is available up to $2 million in the aggregate and $300,000 for damage to rented premises. Liquor liability insurance can be conveniently purchased online, with one- to three-day coverage starting at just $99 for a standalone policy.

Notice that liquor liability policies from FLIP are available in only 40 states, excluding Vermont, Kentucky, Iowa, and others. FLIP has a few exclusions, including situations where the insured is sponsoring or promoting entertainment, scenarios where employees consume alcohol, or operations that run past 2 a.m.

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Why We Chose It: Liquor PAK is a leading insurer of specialty wine and liquor stores that covers all types of retail liquor businesses. It offers all lines of coverage and is underwritten by Great American Insurance Company.

Liquor PAK began in 1996 as a specialty wine and liquor insurance program. It has since expanded into other specialty markets, such as breweries and distilleries. Policies are underwritten by Great American Insurance Companies (GAIC), which is rated A+ (Superior) by AM Best. As of August 2021, the NAIC Claims Index shows lower-than-average claims filed over the last three years.

Customers can apply for all lines of insurance coverage from Liquor PAK, including liquor liability insurance. Policies are available exclusively through licensed agents and brokers, so you cannot apply directly online or over the phone. Coverage is only available in 42 states.

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Why We Chose It: Founders Insurance Company has been writing liquor liability coverage since the late 1950s. It offers liquor liability coverage to any business with a liquor license and for special events of up to five days in length.

Founders Insurance Company began in 1901 and has grown to over $100 million in underwritings. Although it is a relatively small company, it has earned an A (Excellent) rating from AM Best. However, its complaint history has been higher than average for the last three years, according to the NAIC Claims Index.

Clients have been getting their liquor liability insurance policies from Founders since 1959. It serves several eligible liquor-related businesses, including restaurants, adult entertainment clubs, bars, banquet halls, and entertainment venues. Policy limits are available up to $1 million per occurrence and $2 million in aggregate (except in Alabama). There is no deductible, and defense costs are covered in addition to your policy limits.

Policies are not available directly from Founders. Instead, clients must work with a licensed agent or broker to receive a quote and purchase a policy.