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Liquor Liability Insurance

Liquor Liability Insurance for Massachusetts Entertainment & Hospitality Businesses, Bars, Restaurants and Package Stores

If your business serves, sells, distributes or manufactures liquor, you may need liquor liability insurance. A standard general liability policy does not include liquor liability in its coverage. Businesses can add liquor liability insurance to their general liability policy as an endorsement or can have it as a policy by itself. This type of insurance covers claims of property damage or bodily injury that an intoxicated person causes after being served alcohol by a business. We can provide coverage to a wide range of establishments that serve liquor in Massachusetts including:

  • Amusement Center

  • Bar

  • Bar & Grill

  • Bar/Billiards

  • Bar/Tavern

  • Bowling Alley

  • Caterer/Bartending Services

  • Gentlemen's Club

  • Golf Outing

  • Grocery Stores

  • Italian Restaurant

  • Liquor Store

  • Mexican Restaurant

  • Outdoor Social Event

  • Piano Bar

  • Pizza Restaurant

  • Restaurant (Burgers, Sandwiches, Pizza, Wraps)

  • Restaurant (Steak, Seafood, Bistro)

  • Restaurant/Bar

  • Restaurant/Bar w/arcade games

  • Retail

  • Seafood Restaurant

  • Small Festival

  • Social Club

  • Temporary Event

  • Wine & Beer Tasting Event

  • Winery/Brewery

  • Convenience Store

  • Family Restaurant

  • Liquor Store

  • LRO - Retail Plaza

  • Medical Office

  • Takeout Chicken Restaurant

  • Tobacco Products Store

Massachusetts Mandatory Liquor Liability Policy Limits
In Massachusetts, liquor liability insurance is required by law for businesses that serve or sell liquor to have liquor liability coverage with minimum limits of $250,000/$500,000. We recognize the risk businesses in the hospitality industry face for liquor-related assault and battery claims. Our carrier(s) can offer Assault & Battery coverage by endorsement for full limits and several sub-limit options to provide you with the coverage you need. We can also offer the option to add an additional insured to the policy.

Discounts to policyholders are available that meet the requirements for specialized training programs. Some of these programs include alcohol-awareness training, use of age verification systems, and security training programs. Clients who qualify for preferred liquor rates are eligible for substantially reduced premiums with additional savings for establishments that purchase package policies and/or general liability and liquor liability coverage. Discounts are also available for those insured who are members of their state restaurant association. 

Comprehensive liquor liability insurance can cover a wide range of risks as listed above, while also including coverage for breakage and spoilage. 

A Host Liquor Liability Policy is Different
Host liquor liability insurance which is often included in your general liability policy is different from liquor liability insurance. Host liquor liability insures businesses that don’t sell alcohol but serve it at an event. For example, if your company is having a holiday event where they are allowing alcohol to be consumed, host liquor liability insurance can protect them from damages that could occur from an intoxicated employee.

Get Your Current General Liability Policy Reviewed Also
Having all of your current business insurance policies reviewed by a Pearson Wallace Insurance agent is recommended, especially your existing general liability policy, before you finalize your liquor liability policy with us. Contact an agent now for a review.