Last Updated: 6/28/2024
Wedding bartender insurance premiums start as low as $300 a year or $100 per event. This price can go up depending on where you operate, what coverage you choose, and how much money your business makes.
While it can be tempting to skip the extra expense, remember that this small investment can save you big bucks in the long run. If you get hit with a claim, your out-of-pocket responsibility could be 200 times more than the cost of your insurance.
Before you start pouring drinks and mixing cocktails, make sure to safeguard your business with bartender insurance from Food Liability Insurance Program (FLIP)!
What Is Bartender Liquor Liability Insurance?
Let’s start at the beginning. Bartender liquor liability insurance is designed to protect bartending businesses from claims that could cost hundreds of thousands of dollars. This type of insurance covers wedding bartenders who work at events rather than brick-and-mortar bars.
With a base policy that includes general and liquor liability as well as tools and equipment coverage, bartenders can choose which FLIP coverage is best for their business. Bartenders have the option of liquor liability only (if they already have a FLIP general liability policy) or general liability plus liquor liability.
Bartender liquor liability includes general liability, liquor liability, and inland marine (also known as equipment coverage).
In addition to these coverages, bartenders can also include event liquor coverage only or event general liability plus liquor coverage, depending on the needs of your business:
- Event liquor provides one to three days of coverage liquor liability.
- Event general plus liquor coverage includes one to three days of coverage, which includes liquor liability, and general liability.
The Cost of Bartender Insurance for a Wedding
Starting as low as $300 per year,* liquor liability only coverage includes:
- $100,000 Occurrence / $300,000 Aggregate
- Additional Insureds: Unlimited / Free of Cost
We recommend adding these additional coverage options:
Increased Liquor Liability Limits
- $250,000 Occurrence / $500,000 Aggregate
- $1,000,000 Occurrence / $2,000,000 Aggregate
Assault and Battery
- $25,000 Occurrence / $25,000 Aggregate
Cyber Liability
- $100,000 Occurrence / $100,000 Aggregate
If you are looking for a more comprehensive policy, the General Liability + Liquor Liability coverage is the perfect one for your business.
General Liability plus Liquor Liability coverage includes:
- General Liability: $1,000,000 Occurrence / $2,000,000 Aggregate
- Liquor Liability: $100,000 Occurrence / $300,000 Aggregate
- Tools & Equipment Coverage: $5,000 Occurrence / $10,000 Aggregate $250 Deductible per Occurrence
- Damage to Premises Rented: $300,000 Occurrence / $300,000 Aggregate
- Additional Insureds: Unlimited / Free of Cost
- For this policy we recommend adding these additional coverage options:
- Increased General Liability Limits
- $1,000,000 Occurrence / $3,000,000 Aggregate
- $1,000,000 Occurrence / $4,000,000 Aggregate
- Increased General Liability Limits
Increased Liquor Liability Limits
- $250 Occurrence / $500,000 Aggregate
- $1,000,000 Occurrence / $2,000,000 Aggregate
- Increased Tools and Equipment Coverage Limits
- $10,000 Occurrence / $50,000 Aggregate
Increased Tools and Equipment Coverage Limits
- $10,000 Occurrence / $50,000 Aggregate
- Assault and Battery
$25,000 Occurrence / $25,000 Aggregate
Assault and Battery
- $25,000
- Cyber Liability
- $100,000 Occurrence / $100,000 Aggregate
*The cost of liquor liability insurance varies by state
Protect Your Business Today
Wedding bartending without insurance is risky. With so many unknown risks it is hard to be prepared for everything. Save yourself the stress and hassle of potentially dealing with claims and get bartender insurance today!
By Alex Hastings
Alex is a Marketing Copywriter at Food Liability Insurance Program (FLIP). In her free time, she enjoys reading, birding, traveling, and finding any excuse to get brunch.
