What is a liquor liability add-on to a liability insurance policy?

Liquor liability coverage includes cover for:

• Restaurants
• Liquor stores
• Bars
• Convenience stores
• Breweries
• Wineries
• Grocery stores

And the size of the business doesn’t matter. Even a small restaurant or neighborhood grocer can be sued for things like serving minors or providing alcohol to customers who are visibly intoxicated and subsequently get into a car accident. Similarly, a business would need liquor liability insurance for a wedding or other event, even if it’s only a one-off situation. For any event, in order to host, liquor liability coverage is vital.

Multiple factors go into calculating the cost of small business liability insurance and any add-ons like liquor liability coverage. These include your location, business size, and claims history. However, you can get a fast, free online quote to determine your small business liability insurance cost. 

You can also buy a liability insurance policy and add-ons online. And your coverage goes into effect immediately on the effective date you choose when you make the purchase, with instant access to a Certificate of Insurance (COI).

Liquor liability is just one type of liability insurance endorsement. Others include:

• Contractors installation, tools & equipment. This add-on covers business property, tools, and equipment while at a job site, being transported, temporarily in storage, or during installation.
• Cyber liability. This endorsement can protect your business in the event of an incident like a data breach regarding sensitive client or employee data. It can also provide coverage for regulatory action defense if a government agency requires you to appear in court.
• Employment-related practices liability. This added coverage applies to incidences of inappropriate workplace behavior (e.g., harassment, wrongful termination, or discrimination).
• Employee benefits liability. This endorsement provides coverage in the event of errors or omissions in how you administer your employee benefits program, like failing to add an employee to your medical insurance, which results in the person being denied coverage for a claim later.

Yes, it matters where you get your small business insurance. Liquor liability insurance is critical for businesses that serve or provide alcohol. That said, you want to keep your insurance costs as low as possible while maintaining adequate coverage. 

At biBerk, our direct-to-you approach means there is no middleman or broker involved in the transaction who requires payment for their services. As a result, we’re able to provide insurance for up to 20% less than other insurance companies.

The company that provides your liability insurance policy and add-ons like liquor liability matters, too. biBerk is an organization with a background that gives our customers confidence that we’ll be there for them when they need us. We're part of Warren Buffett's Berkshire Hathaway Insurance Group with millions of satisfied customers, more than 75 years of insurance experience, and $38 billion in paid claims in 2020.

In short, you can trust biBerk for business insurance made simple and affordable!

In addition to general liability, biBerk offers a wide range of business insurance coverage, including:

• Workers’ compensation insurance
• Professional liability insurance(also called errors and omissions or E&O insurance)
• Business owners policy or BOP(also called property & liability insurance)
• Commercial auto insurance
• Umbrella insurance