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Liquor Liability Home / Product Lines / Liquor Liability CLASS SEARCH OTHER AVAILABLE CLASSES Accountants AcroYoga Animal Liability Architect / Engineers Artisan Specialty Contractors Asset Protection Auto Repair Garages Avalanche Control Board Member Liability Boats and Watercraft Bus Insurance Buses (Admitted) Business Owner Commercial Trucking Insurance Communicable Disease Liability Coverage Competitive Events Customized Legal Delivery Trucks Driving Schools Entertainer Liability Entertainment Industry Exotic Pets Firearms & Concealed Weapons Fitness/Training Instructor Foster Parents Garbage Trucks Golf Cart Insurance Hospitality Industry HR Professional Inflatables Insurance Agents Insurance For Winter Operations Lawyers Legal Cannabis Insurance Legal Liability Protection Limo Insurance Limousines (Admitted) Medical Professional Medical Transport Vehicles Paratransit Pilot Liability Police Officers Property Owner Public Service Real Estate Agents Rescue and Evacuation Retail Stores Security Services Tax Preparers Taxi Insurance Taxis (Admitted) Tenant Legal Liability Tow Trucks Tow Trucks (Admitted) Towing Operations and Repossession Companies Track Day Insurance Trucking (Admitted) Valet Parking Volunteer Liability GENERAL APPLICATION LIQUOR LIABILITY: WHAT YOU NEED TO KNOW Liquor Liability Insurance is intended to help protect your clients against claims resulting from the sale or service of alcoholic beverages at their establishment. If someone is intoxicated or has been over-served, then that person may become involved in an incident or accident. If that person causes an accident at or outside of your client’s business or personal establishment, your client may be held liable depending on the circumstances. Given the nature of the business, it is crucial that they’re prepared to defend against claims that can arise out of the serving, selling, or furnishing alcohol to people who are underage or guests. The Risks of Providing or Serving Alcohol Assume many risks when serving alcohol, including: assault and battery bodily injury property damage serving or selling to minors over-serving guests and more! Liability risks can be a major concern for any bar, tavern, nightclub, restaurant, hotel, apartment complex, special event, or other establishment offering alcohol to consumers. In fact, in some states, the fines and penalties for serving under-aged or intoxicated guests can be placed on the establishment owner or business operator. Drinking and driving accidents are always possible due to the effects of alcohol on the human body. So the probability of injury or death is always a concern when someone has been over-served. Host liquor is another concern. For example, if your client is hosting an event where liquor will be served to customers, there’s always a chance of over-serving and intoxication. There could be a claim for failure to control the alcohol consumption. Who Needs Liquor Liability Coverage? In short, any person or business that provides the sale, service, or furnish of liquor needs this coverage. If your client falls under this category, make sure they’re aware of this type of coverage and have Prime customize their coverage or fill the gap. An individual might host a party and want coverage in case guests are over-served and someone gets injured and decides to sue the host. Numerous businesses need liquor liability coverage, including: Bars and taverns Nightclubs Restaurants Comedy clubs Sports stadiums Concerts and festivals Weddings Banquets Commercial venues Any business, venue, or establishment hosting a special event Types of Liquor Liability Coverages Prime Insurance Company offers liquor liability packages and offers additional coverage options common among this type of entertainment risk class such as assault and battery, special events, amusement devices (including mechanical bulls), individual liability for security personnel (bouncers, bartenders, servers, performers, etc.) and much more. Our ability to customize coverages in a package promotes more options and solutions to insurance producers! Assault and Battery Coverage One of the most popular coverages used in conjunction with liquor liability coverage is assault and battery. It can provide coverage for the following scenarios: An employee, such as a bouncer, injures a customer A customer injures an employee A fight breaks out and multiple injuries occur And more Prime can provide assault and battery coverage as part of a brand new policy your client needs or we can customize their existing policy. WHY CHOOSE PRIME AS YOUR INSURANCE PARTNER? There are many reasons why you should choose Prime as your insurance partner but here are some highlights: Partnership Approach At Prime, we build trusted relationships and want all parties to be involved. We arrange a phone call with every potential insured to provide fast, flexible underwriting for every client. From our underwriters to our legal team, the insured, and the producers — at Prime, everyone is considered a partner and our processes are designed for the mutual benefit of all parties involved. “A” Rated Carrier With 40+ Years of Experience The strength and stability of Prime have led us to over 40 years of experience in the insurance industry. We know a thing or two when it comes to writing insurance coverage for liquor liability. In-House Teams We have it all – underwriting, legal, risk management, policy services, etc. You will have direct access to our staff and services, ready to assist you! We even have an in-house claims hotline if an incident or claim occurs, available 24/7. Extraordinary Claims Results We pride ourselves on our ability to handle claims in-house and effectively. Prime’s team of attorneys and adjusters are here to assist you every step of the way. Unlike most insurance companies, Prime fights frivolous lawsuits. We will be by your side every step of the way! ABOUT PRIME INSURANCE COMPANY Prime Insurance Company is an excess and surplus (E&S) lines insurance company, specializing in property and casualty insurance for specialty and unique risks. Prime writes E&S business in all 50 states and is rated “A” (Excellent) by A.M. Best. By managing underwriting, policy services, risk management and claims handling in-house, we have a proven track record of providing insurance services in a cost-effective, focused manner with both the producer and the insured in mind. Prime currently produces in excess of $300 million gross premiums annually and has offices in Salt Lake City, UT; Chicago, IL; Exton, PA; and Naples, FL. GET A QUOTE! FEATURED LIQUOR LIABILITY CLASSES Hospitality Industry Entertainment Industry COVERAGES Special events Foam parties Pyrotechnics Commercial liability Personal liability Amusement devices Off-duty police Third-party security Concealed carry Animal liability Sexual abuse & molestation Business auto Party buses Mechanical bulls 800.257.5590 info@primeis.com PRIME INSURANCE COMPANY WRITES IN ALL 50 STATES OF THE USA FOR PRODUCERS Get a Quote Application Forms Producer Agreement Risk Management Prime Services Claims FOR INSUREDS Login File a Claim ABOUT Prime Companies Prime Leadership Careers Reinsurance Partners Testimonials Frequently Asked Questions Litigation History Contact Us Sitemap DOWNLOAD OUR APP * For latest ratings, visit www.ambest.com © 2021 Prime Holdings Insurance Services, Inc., all rights reserved | Privacy Policy | Legal Disclaimers Prime Insurance Company (“PIC”) is an unlicensed excess and surplus lines insurance company domiciled in the State of Illinois and its principal place of business is in Sandy, Utah. 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