Any business that sells or serves alcohol carries a specific exposure: if an intoxicated patron causes harm, the business can be held liable. And a standard general liability policy typically excludes those alcohol-related claims through what's called a liquor-liability exclusion. Liquor liability insurance covers that gap. Maru places it for Washington and Florida restaurants, bars, taverns, breweries, caterers, and event venues so a serving decision doesn't threaten the business.
What liquor liability covers
| Coverage | What it protects |
|---|---|
| Bodily injury | Injuries caused by an intoxicated patron you served |
| Property damage | Damage caused by an over-served patron |
| Legal defense | Attorney and court costs to defend a claim |
| Assault & battery (option) | Certain altercation-related claims, where offered |
| Dram-shop liability | Liability arising under state dram-shop rules |
Who needs liquor liability
Restaurants, bars, taverns, nightclubs, breweries and wineries, caterers, grocery and convenience stores that sell alcohol, and venues that host events with alcohol all carry the exposure. Even businesses that don't sell alcohol but allow it — a salon serving wine, an art gallery with an opening reception — can face host-liquor claims. If alcohol is present at your business, this coverage deserves a look, and it's frequently a condition of your lease or liquor license.
Washington and Florida notes
Both Washington and Florida have laws that can hold an establishment responsible for harm caused by a patron who was served while intoxicated (and, importantly, for serving minors). Requirements and defenses vary, and responsible-vendor or server-training programs can both reduce risk and, in some cases, improve your terms. We place liquor liability alongside your general liability and property coverage so your whole business program is consistent.
Frequently asked questions
Doesn't my general liability policy cover alcohol claims?
Who is required to carry liquor liability?
What is dram-shop liability?
Can server training lower my risk or cost?
Licensed independent insurance agent · WA & FL
Written and reviewed by a licensed Maru advisor. Maru Insurance is an independent agency (License #22261820) representing multiple A-rated carriers across Washington and Florida.
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