ZOLOFRA INSURANCE AGENCY

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Liquor Liability

ABOUT LIQUOR LIABILITY INSURANCE

A Liquor Liability policy covers the legal liability imposed on a business that sells, distributes or serves alcoholic beverages. General Liability policies exclude Liquor Liability for establishments that sell, distribute or serve liquor, so those businesses need a separate Liquor Liability policy or coverage form. The types of businesses that should carry Liquor Liability include bars, restaurants, hotels, motels, liquor stores, convenience and grocery stores that sell liquor. The coverage is available on either an "Occurrence" form or a "Claims-Made" form.

What's Covered?

A Liquor Liability policy covers claims involving bodily injury and property damages that the insured is legally obligated to pay. The policy covers only injuries or damages an insured has caused due to serving, selling or distributing alcoholic beverages, so a General Liability policy is also required to cover the other exposures of the business. The policy covers attorneys' fees and other costs associated with defending against a lawsuit. An important optional coverage to consider on a Liquor Liability policy is Assault and Battery coverage.

What Isn't Covered?

If a liquor license is required and is not in effect at the time of an otherwise covered liquor liability exposure, there is no coverage. Common exclusions on a Liquor Liability policy include Workers' Compensation and Products Liability from any product other than liquor (e.g., food).

What Affects the Cost of the Policy?

The premium is based on a variety of factors, depending on the types of coverage forms included in the policy. A tavern that is open past midnight will generally have a higher premium than a restaurant that sells only a small amount of liquor.

Please complete the form below to get your free quote now.

*Contact Name *Name of Business *Street Address ,City, State & Zip *Physical address of business *Business Phone *Email address Current Carrier Expiration date of Liquor Liability Policy Expiring Premium *How long have you been at this location? *How long have you been in business? *Name on Liquor License *Expiration Date of Liquor License *Describe your business (i.e. bar, club, restaurant ,etc.)
*Max Capacity *Average age of customer Additional Comments

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Disclaimer Notice - The premiums quoted are estimates based on information you provided. This quotation does not constitute a contract of insurance, nor does it provide coverage for any loss or claim. Coverage can only be bound by an agent with a signed application and a down payment.

Please utilize the "Submit" Button to send your form to our office. If the website does not allow you to submit the form, please print the page and fax it to 732.334.0405 or scan it into your computer and send it to ben@zolofrainsurance.com. Do not "Refresh" the page because all data entered onto the form will be lost.