How to Get Liquor Liability Insurance

Liquor liability insurance coverage protects a business owner from property damage or personal injury lawsuits. The insurance covers various liquor businesses including those that sell alcohol or serve it to customers. By comparing liquor liability insurance from several companies the business owner can determine which policy provides the best coverage.  

• Ask a liquor business owner you know for a good liquor liability insurance agent to contact. Find out how much the owner pays for coverage. Contact the agent if you want more information about the insurance.


• Call an insurance agent you already use to discuss a liquor liability insurance policy. Your auto or property insurance agent should be able to give you the information you need about obtaining liability coverage for your liquor business. Review the different policies to determine how much coverage you need.


• Ask your agent if you can get a discount for having multiple insurance policies. For example, if you have auto insurance through the agency and you buy liquor liability coverage you should be able to get a reduced price on both policies since you are a repeat customer. Make a note of the price for the liability policy and do some comparison shopping to try and find a better deal.


• Check the Yellow Pages to find an insurance agency that offers liquor liability coverage. Make an appointment with an agent and go over the coverage options for your business. Find out the cost of the liquor coverage and continue checking other sources to see if you can get a lower price.


• Go online to find liquor liability insurance. Use a search engine to find a website that compares different policies. Type in the amount of coverage you want and review the results of the report. Contact the agency that has the best price and find out how to purchase the liability policy.