Liquor Liability Insurance Products

Compare 41 products offered for Liquor Liability Insurance from 22 companies including GroupOne Insurance Services, AVRO Insurance Managers, and Agile Underwriting Solutions .

Our Insurance Comparison Tool allows you to pick the policy that's right for you by comparing every plan offered by Canada's leading providers. Need more info? Our Frequently Asked Questions can explain Liquor Liability cover in greater detail.

Compare Liquor Liability Insurance Policies

Products 1 to 10 of 41
Product name Max Coverage Min Premium Exclusions
Sport, Leisure, Fitness and Recreation by Markel Canada Ltd Max Coverage CA$10M Min Premium N/A
  • professional sports


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Liquor Liability Only by PAL Insurance Brokers Canada Max Coverage CA$5M Min Premium N/A


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Liquor Liability by Burns and Wilcox Canada Max Coverage CA$2M Min Premium N/A


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Special Events by Beacon Underwriting Max Coverage CA$10M Min Premium N/A


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Top Shelf Hospitality by Cansure Max Coverage CA$10M Min Premium N/A


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Sports and Leisure by Stoneridge Specialty Insurance Max Coverage CA$2M Min Premium N/A


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Festivals and Events by Special Risk Insurance Managers Max Coverage CA$10M Min Premium N/A


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Hospitality by APRIL Canada Max Coverage CA$10M Min Premium CA$1K


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Commercial Property / Casualty by Agile Underwriting Solutions Max Coverage CA$5M Min Premium N/A


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Community Services by Frank Cowan Company Max Coverage CA$50M Min Premium N/A
  • automobile coverage outside of Alberta, New Brunswick, Nova Scotia and Ontario


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Frequently Asked Questions

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What Is Liquor Liability Insurance?

Liquor Liability insurance provides financial protection for a host or establishment in the event of an injury or property damage caused by an intoxicated person(s) who was served alcohol on their premises. In certain regions it is the responsibility of the host/establishment serving alcohol to pay for damages caused by drunken behaviour if they supplied the alcohol. Not only does this encourage responsible serving from patrons but also takes into account the safety of others present.

 

Liquor Liability insurance can help cover the host’s legal costs, court fees, and any civil or criminal damages awarded if a claim is made against them for serving a drunk person.

Who Needs Liquor Liability Insurance?

Any licensed venue or event that supplies alcohol should buy Liquor Liability insurance if they are situated in a region where the host/establishment is liable for damages caused by one of their patrons. The following types of hospitality business are typical venues that can purchase Liquor Liability (or Host Liquor Liability):

  • public houses and taverns
  • bars
  • private members’ clubs
  • hotels
  • restaurants
  • music and performance venues
  • sports venues

Some regions require by law that Liquor Liability is purchased by venues selling alcohol. The following types of special event where alcohol is supplied should also consider Liquor Liability cover:

  • single/multi-day functions
  • beer tents
  • festivals
  • fairgrounds
  • conferences
  • weddings

What Does Liquor Liability Insurance Cover?

Liquor Liability mainly covers two areas:

 

  • bodily injury: injuries suffered by or caused by an intoxicated person
  • property damage: damage caused by drunken altercations or alcohol-related violence

Legal expenses and litigation costs may also be covered if certain incidents – for example assault and battery – are taken to court and the venue is treated as liable.

What Is Not Included In Liquor Liability Insurance?

Most Liquor Liability insurance policies carry the following exclusions:

  • fines due to alcohol being served/supplied to a minor
  • failure to implement/enforce safe alcohol serving practices
  • offenses committed other than property damage or bodily harm
  • damages to own property

How Much Is Liquor Liability Insurance?

The cost of a Liquor Liability insurance policy will be calculated depending on the following:

  • the size of the venue/business/event
  • type of alcohol served
  • if alcohol is manufactured on the premises
  • opening and closing hours

Liquor Liability is also available as an add-on to other insurance policies such as Event Liability or Commercial General Liability.