Protect your bar, restaurant, brewery, or event venue from claims arising out of serving alcohol, and satisfy the coverage your lease or liquor license requires. Fast quotes from a tech-forward Utah brokerage.
Liquor liability insurance protects businesses that sell, serve, or furnish alcohol from claims that an intoxicated patron later caused injury or property damage. If someone you served becomes impaired and harms themselves or others, your business can be named in a lawsuit, and standard general liability policies typically exclude these alcohol-related claims. Liquor liability fills that gap, covering legal defense, settlements, and judgments.
This coverage is essential for bars, restaurants, breweries, distilleries, taverns, nightclubs, caterers, and event venues across Utah. Under Utah's dram shop laws (Utah Code 32B-15), establishments and their staff can be held liable for damages caused by a patron they served, including service to someone who was already intoxicated or under the legal drinking age. That exposure makes liquor liability one of the most important coverages a hospitality business can carry.
It's also frequently required by your landlord or by the State of Utah's liquor licensing process. Many commercial leases and DABS (Department of Alcoholic Beverage Services) license applications require proof of liquor liability coverage at specified limits before you can open or renew. We make sure your certificate of insurance is issued correctly so your license and lease stay in good standing.
Whether you run a single tasting room or a multi-location restaurant group, we shop your exposure across carriers that specialize in hospitality and get you the limits your license and lease demand, quickly and without overpaying.
Injury or damage caused by a guest you served who became impaired.
Attorney costs, settlements, and judgments from dram shop suits.
Fight- and altercation-related claims, where the carrier offers it.
Proof of coverage your DABS license and landlord require.
Need coverage to satisfy your liquor license, lease, or an upcoming event? Apply online in minutes and our licensed agents will compare rates across our top-rated hospitality carriers to deliver the right limits and certificate of insurance, compliance-ready, in record time.
We handle the quoting, paperwork, and certificate of insurance so your license and lease stay in good standing.
Through our trusted MGA partner, BTIS (Builders & Tradesmen's Insurance Services), we can quote a wide variety of business niches — from contractors and small retail shops to professional offices and specialty risks. This partnership gives us access to a network of top-rated national carriers, allowing us to deliver competitive pricing and tailored coverage options across hundreds of industries.
