Admiral’s Liquor Liability coverage can be offered as part of an Admiral General Liability Policy, or as a Monoline Liquor Liability coverage.
What’s at Risk
Failing to cover the specific exposures of Liquor Liability will open an insured to countless potential claims that could be devastating.
Our Solution
Admiral’s innovative underwriters develop tailored liquor liability solutions to best meet the needs of the industry.
Liquor Liability Coverage
Learn more about Admiral’s Liquor Liability coverage, including sample and excluded classes.
Sample Classes
- Banquet Halls
- Bars/Taverns
- Bartenders
- Breweries
- Casinos*
- Catering
- Certified Server – Trained (TIPS/TAMS)
- Distilleries
- Hotels/Motels
- Microbreweries
- Packaged liquor/grocery stores
- Sports Bars
- Wineries
- Restaurants
Excluded Classes
- Alabama
- Alaska
- District of Columbia
- Iowa
- Michigan
- Vermont
- US Protectorates
- Gentleman’s clubs
- Mosh pits
- Under 21 Nights
- Nightclubs
- Concert Venues
- Firearms
*Some underwriting restrictions apply
Frequently Asked Questions
Do you offer standalone liquor liability or is it bundled with general liability?
Admiral Insurance Group offers flexible options to fit your specific needs. You can choose a mono-line liquor liability policy for standalone coverage or a combined package policy that includes General Liability (GL) and Liquor Liability (LL). This flexibility allows businesses to select the coverage that best fits their needs.
What types of establishments do you cover (bars, restaurants, breweries, events, etc.)?
Admiral Insurance Group provides liquor liability coverage for a wide range of alcohol-serving and hospitality businesses, including: bars, restaurants, wineries, breweries, pubs, taverns, hotels, bowling alleys, and axe-throwing venues, as well as wedding venues, corporate event spaces, banquet facilities, and liquor distributors.
Can you cover small businesses like food trucks or pop-up events?
No. Admiral does not provide coverage for mobile businesses such as food trucks or temporary pop-up events. Our policies are designed for permanent, fixed-location establishments only.
Are BYOB or special event risks eligible for coverage?
No. Admiral does not provide coverage for BYOB (Bring Your Own Beverage) establishments or special event risks. Our policies are designed for licensed businesses that serve alcohol under standard operating conditions.
Are there restrictions based on hours of operation or entertainment (e.g., live music, dancing)?
Yes. Admiral does not provide coverage for establishments that remain open past 2:00 AM.
Download the Liquor Liability Coverage Brochure
Related Blogs
Dan Smyrl, president at Admiral, discusses the complexities of underwriting liquor liability insurance for bars with Insurance Business magazine.
Continue Reading Dan Smyrl talks to Insurance Business Magazine about Liquor Liability Risks