Does My Restaurant Need Liquor Liability Insurance Even If I Only Serve Beer and Wine? 

If your restaurant serves any alcohol, including beer and wine, liquor liability insurance deserves a place in your coverage plan. Many restaurant owners assume this coverage is only for bars or establishments with a full liquor license, but that assumption can leave a significant gap in coverage.

Why Beer and Wine Still Create Liability

Alcohol is alcohol in the eyes of the law. If a guest becomes intoxicated at your restaurant, regardless of what they drank, and then causes harm to themselves or others, your business may be held responsible.

What Liquor Liability Insurance Typically Covers

A liquor liability policy is designed to help cover costs related to alcohol-related incidents. Common covered scenarios include:

• Bodily injury coverage, which may help cover injuries to a third party caused by an intoxicated guest.
• Property damage coverage, which may help cover losses resulting from an intoxicated patron.
• Legal defense costs coverage, which may help cover expenses if your business is named in a lawsuit.

How This Fits Into Your Overall Coverage

A business owners policy (BOP) offers broad commercial coverage but may exclude alcohol-related claims. Liquor liability is often added as a separate policy or endorsement, depending on your carrier and the nature of your business. Your agent can review your current coverage to identify any gaps.

Contact Us Today

Liquor liability insurance financially protects your business by transferring that risk so one incident does not put your business in jeopardy.

Contact Casual Insurance Group to review your restaurant’s coverage and confirm your policy reflects what you actually serve. We proudly serve restaurants and hospitality businesses throughout West Palm Beach, FL.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.