Liquor Liability Insurance Program
Your Liquor Liability Business Insurance Solution
Providing liquor liability coverage to business owners is the cornerstone of Conifer. With over three decades of experience, our liquor liability program is designed for license holders seeking monoline liquor liability insurance.
Coverage & Highlights
Submissions & Downloads
Associations Partners
Coverage & Highlights
PRODUCT HIGHLIGHTS
- Exclusive, A.M. Best A- Rated Carrier
- Policy Limits – up to $1M/$2M
- Assault & Battery – up to $1M
- 100% Liquor Receipts Acceptable
- Additional Insured Available
- Premiums Based On:
- Annual Liquor Receipts
- Risk Type
- No Deductible
- New Ventures Considered
Submissions & Downloads
SUBMISSION REQUIREMENTS
- Liquor Application, Acords or Competitor Applications
- Loss Runs
Completed applications and loss runs can be sent to CommercialLines@ConiferInsurance.com
MARKETING
Associations Partners
MIRA is a multi-state trade association representing thousands of retailers operating in Michigan, Ohio and surrounding states. Our members include independent supermarkets, convenience stores, petroleum retailers, service stations, and specialty food markets.
Midwest Independent Retailer Association
Ready to have your business covered?
Questions About Liquor Liability Insurance
Conifer will consider standalone liquor liability coverage in Illinois, Michigan and Ohio at this time.
Liquor liability insurance is a type of coverage that protects businesses that sell or serve alcoholic beverages from potential legal claims arising from the actions of intoxicated patrons. This insurance can cover legal fees, settlements, and other related costs.
Liquor liability insurance typically covers legal expenses related to claims arising from injuries, property damage, or other incidents caused by an intoxicated person who was served alcohol on the premises. Coverage may include defense costs, settlements, and court-ordered judgments.
The requirement for liquor liability insurance varies by jurisdiction. Some states or local governments may mandate this coverage for businesses that sell or serve alcohol. It’s essential to check and comply with local regulations to determine if liquor liability insurance is required.
Dram Shop laws hold businesses that sell or serve alcohol responsible for any harm caused by a patron who was served alcohol illegally or irresponsibly. Liquor liability insurance often covers claims related to Dram Shop liability.
