Liquor Liability in Florida

Florida Statutes §768.125 generally prevents liability for selling or furnishing alcohol to a person of lawful drinking age, but allows liability for willful and unlawful service to someone underage or knowing service to a person habitually addicted to alcohol. Section 562.11 separately prohibits sales to people under 21 and provides a careful-ID defense. ^1,²

What Is Liquor Liability?

Liquor liability can cover claims tied to your business selling, serving or furnishing alcohol. If you run a bar, restaurant or event where you provide drinks, check how the quote treats injuries, property damage and occasional service. Read the national Liquor liability guide.

What to Watch for in Florida

The general rule has two statutory exceptions
A provider may become liable for injury resulting from intoxication when it willfully and unlawfully supplies alcohol to someone under lawful drinking age or knowingly serves someone habitually addicted to alcohol. ¹
The underage-sale defense has several conditions
Section 562.11’s defense requires a false age representation, an appearance that would persuade an ordinarily prudent person, careful inspection of an approved ID, and good-faith reliance; checking a card alone is not the full statutory test. ²
The civil statute is not a coverage specification
Sections 768.125 and 562.11 describe liability and underage-sale defenses; they do not state what limits, defense terms, exclusions, or insured entities an individual policy must provide. ^1,²

Who Regulates Insurance in Florida

Florida Office of Insurance Regulation

The Florida Office of Insurance Regulation licenses and regulates insurance companies and reviews rates and forms. The Department of Financial Services separately licenses insurance agents and handles consumer insurance complaints; its resource page links to both state license searches. ^3,^4,⁵

Surplus-lines tax and stamping office

Reported tax rate: 4.94% of gross premium plus a 0.03% FSLSO service fee for policies effective July 1, 2026 or later When Florida is the insured’s home state, Florida taxes the entire gross premium at 4.94%; the premium definition includes policy and similar insurance charges. The separate FSLSO service fee is 0.03% for policies effective July 1, 2026 or later. Surplus-lines policies do not receive Florida Insurance Guaranty Association protection. ^6,^7,⁸

Florida Surplus Lines Service Office

Providers With Documented State Licenses

These providers publish a national listing for Liquor liability; the state records document licenses for the entities and roles shown below. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm the product is available in Florida. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

CorgiCorgi Insurance Services, Inc.Insurance producer · checked 2026-09-28Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability. ¹¹

Questions to Ask Before You Buy in Florida

Does the quote include the correct business entity and all locations, events, and delivery activities?
What procedures does the insurer expect for checking identification and documenting age-related refusals?
How are allegations involving a known habitual drinker handled, and what exclusions or limits could affect that claim?