Conifer Insurance Group

Liquor Liability Insurance in Michigan

Liquor Liability Insurance in Michigan

If an establishment sells, manufactures, or serves alcohol in the State of Michigan, they may be held liable for an intoxicated patron that causes injuries or damages to others. Liquor Liability Insurance can help cover those legal fees, settlements, and medical costs.

What is Liquor Liability Insurance?

Liquor Liability Insurance provides coverage for legal fees, medical costs, and settlements associated with bodily injury or property damage caused by an intoxicated person, who was served or sold liquor by the policyholder “Licensee”. The businesses in need of a Liquor Liability Insurance policy include liquor stores, bars, taverns, restaurants, convenience stores, breweries, wineries, grocery stores, nightclubs, private clubs, bowling alleys, etc. Regardless of its size, any business that sells/serves alcohol is exposed to a liquor liability claim.

The Michigan Liquor Control Code of 1998 (Dram Shop Act), provides a cause of action against a retail licensee who unlawfully serves alcoholic beverages to an intoxicated person or minor, and which results in injury, death or property damage to an innocent third party.

(Fun Fact: The Dram Shop Act was named after establishments in 18th century England that sold gin by the spoonful, also known as dram. )

LARA- Licensing & Regulatory Affairs

LARA is Michigan’s licensing and regulatory affairs department; responsible for making sure liquor laws are being upheld and to code. Michigan’s liquor law requires proof of liquor liability insurance which is also called Proof of Financial Responsibility. Submitting proof of liquor liability insurance to the Michigan Liquor Control Commission (MLCC) is done so by filling out the LC-95 form, which is required by MCL 436.1803

Proof of Financial Responsibility (LC-95) certifies that the Licensee has coverage of no less than $50k in Liquor Liability Insurance.

Choose Conifer

Our team has been serving our clients with a comprehensive Liquor Liability Insurance Program for over 30 years and are proud to be the #1 underwriter of liquor liability in the state of Michigan. 

Contact Us to learn how our specialized Liquor Liability Program can help your business.


The loss control suggestions and information contained on this blog is being provided on an advisory basis only. Conifer Insurance Company and its employees make no warranties, expressed or implied, and assume no liability whatsoever for services, products, or loss control measures provided by any service providers. Contact your local, independent insurance agent for insurance coverage advice and policy service.
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