Event Liquor Liability Insurance
FLIP’S liquor liability insurance for events protects your business from costly alcohol-related claims with A+ rated coverage for up to 3 consecutive days!
Choose the Right Plan for Your Business
Silver
General Liability + Liquor Liability Event Policy
For caterers, food trucks, concessionaires, private chefs, and bartenders. Best for businesses that need short-term alcohol coverage. General liability policy included.
Included:
Up to 3 Days of Consecutive Coverage
Free & Unlimited Additional Insureds
Liquor Liability Options Up To: $1,000,000 Occurrence / $2,000,000 Aggregate
Starts at $150/Event
Bronze
Liquor Liability Event Policy
For caterers, food trucks, concessionaires, private chefs, and bartenders. Best for businesses that need short-term alcohol coverage. General liability policy required.
Included:
Up to 3 Days of Consecutive Coverage
Free & Unlimited Additional Insureds
Liquor Liability Options Up To: $1,000,000 Occurrence / $2,000,000 Aggregate
Starts at $100/Event
Benefits of Liquor Liability Insurance for Events
Easy to Buy Online
Purchase in 10 minutes or less and gain instant online access to your Certificate of Insurance (COI), policy documents, and coverage options.
A+ Rated Protection
Book more clients and help your business gain a competitive edge over other event vendors with premium coverage.
Free and Unlimited Additional Insureds
Add venue managers, event organizers, and other additional insureds by request from your online dashboard.
About FLIP’s Event Insurance With Liquor Liability Coverage
Our event liquor liability insurance provides you with both short-term general liability and liquor liability coverage for weddings and other events.
Here are just a few of the benefits you can expect when you have event alcohol insurance from FLIP:
- A financial shield to prevent you from paying out of pocket for an alcohol-related claim
- Up to 3 days of consecutive coverage to keep you protected while you set up and tear down at an event (many companies only offer 1-day coverage)
- The credibility to market yourself as an insured business, leading to more booked events and a competitive advantage
Alcohol-related claims are expensive, but event alcohol insurance can prevent you from paying out of pocket if an accident occurs.
The Risks of Serving Alcohol at Events and Weddings
Some of the risks of serving alcohol at an event or wedding include:
- Third-party bodily injury
- Third-party property damage
- Damage to your business equipment by intoxicated guests
- Fights breaking out between intoxicated guests
These risks can all lead to expensive claims you may be held liable for because of a civil suit or the dram shop laws in your state. Event liquor liability insurance can help cover the medical, legal, and repair costs associated with these risks.
Liquor Liability Insurance for Events Cost
FLIP’s event insurance with liquor liability starts at $100 for up to 3 days of coverage. For event liquor liability insurance plus general liability insurance, the price starts at $150 per event. These prices can change depending on:
- The state you operate in
- The gross income of your business
- The limits you choose
Host Liquor Liability Coverage for Events
If you have a FLIP policy, host liquor coverage is included under General Liability. However, if your business sells, serves, furnishes, manufactures, or distributes alcohol, you must purchase event liquor liability insurance in order to receive coverage for alcohol-related claims.
Event Liquor Liability Insurance Coverage Details
General Liability
Aggregate Limit: $2,000,000
When your business faces claims such as third-party bodily injury, property damage, products-completed operations, and personal and advertising injury, general liability insurance may shield your business from the expensive costs associated with these claims.
Liquor Liability
Aggregate Limit: $2,000,000
Liquor-related businesses face unique risks involving or caused by people they serve alcohol to. Safeguard your finances from third-party liquor liability claims with this coverage.
Free and Unlimited Additional Insureds
An additional insured is an event organizer, business, or property owner that requires you to extend your insurance coverage to them. Add them at any time for no extra charge.
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FAQs About Special Event Insurance With Liquor Liability
What Does Event Liquor Liability Insurance Cover?
This insurance can cover the cost of liquor-related accidents that occur at a wedding or event where you are serving alcohol. This can include third-party bodily injury and property damage claims such as:
- A wedding guest becoming intoxicated and knocking over your equipment
- A party guest getting carried away with the open bar, becoming intoxicated, and driving away, causing an injury accident
- Intoxicated bridesmaids starting a fight when the bouquet is thrown
Why Do I Need Alcohol Insurance for Weddings and Events?
- Liquor liability insurance for events and weddings is the only way to protect yourself from paying out of pocket for alcohol-related claims
- You may be legally required to carry event alcohol insurance by your state, and depending on the dram shop laws in your area you can be held responsible for alcohol-related accidents caused by people you served
- Many clients and venues won’t book you if you can’t provide proof of insurance — they don’t want to be financially responsible if you cause an accident
Who Is Liable for Alcohol-Related Claims at an Event?
The business that sells or serves alcohol at the event or wedding is held liable for claims, including bartenders, caterers, and other professionals.
How Do I Get Liquor Liability Insurance for an Event?
- Start your insurance application
- Fill out all the necessary information and choose your coverages
- Purchase your policy and enjoy running a protected business
