Liquor Liability Insurance

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As a business that serves alcohol, liquor liability insurance is essential. This type of policy protects you and your business in the unfortunate event that a customer causes damage or injury after being served alcohol by your business.

Do you serve or sell alcohol at your business? If so, your business is considered high risk when it comes to insurance coverage. While some business insurance policies- like general liability coverage- cover liability, they oftentimes exclude alcohol-related incidents. But what happens if a drunk patron breaks a bar stool? Or a drink driver leaves your establishment and gets into a car accident? Without proper liquor liability insurance, you could be found legally responsible and charged thousands in medical bills, car accidents annually.

What is Illinois liquor liability insurance and why do you need it?

Liquor liability insurance protects businesses that make, sell, serve or distribute alcohol.

In Illinois, any business that handles alcohol is required to have liquor liability insurance. This form of coverage is mandatory regardless of the size or industry of your business. If alcohol is sold or distributed, you must have adequate protection in case someone- or something- is injured as a result of alcohol consumption.

What does liquor liability insurance cover?

Liquor liability coverage helps pay legal fees, medical bills, settlements and repair costs in the event that an intoxicated person causes:

  • Car accident
  • Assault
  • Property damage
  • Third-person bodily injury
Who needs liquor liability insurance?

Any business that sells alcohol should have a liquor liability policy. From small Rolling Meadows convenience stores to large Chicago breweries and restaurants, if you make, sell or serve alcohol, you are exposed to liquor liability.

The cost and coverage of Illinois liquor liability policies vary greatly depending on your industry, the size of your business, the location of your business and the amount of liquor sales your business makes annually..

But that’s good news because it means you can customize your policy! have 20+ years of experience ensuring businesses and individuals. We can help you compare and contrast available policies from our long list of trusted insurance companies. Whether you own a Palatine liquor store or a Des Plaines club, we can help you find an affordable liquor liability insurance policy. Give us a call today to talk through your options!

Liquor Liability Insurance - Group of Friends Cheering with a Beer

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