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.

What Is Liquor Liability Insurance?

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 Should You Watch for With Liquor Liability Insurance 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

Which Liquor Liability Providers Have Florida License Records?

These providers publish a national listing for Liquor liability; the license records below name the licensed entities and roles. 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.

Corgi
Insurance producer · checked 2026-09-28
Corgi Insurance Services, Inc.
Corgi’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
Corgi markets liquor liability for eligible veterans’ and fraternal lodges with licensed on-premises bars.

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

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint
Phone: 1-877-693-5236

Surplus-Lines Tax and Stamping Office in Florida

Reported tax rate. 4.94% of gross premium plus a 0.03% FSLSO service fee for policies effective July 1, 2026 or later ^6,^7,⁸

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.

Florida Surplus Lines Service Office

Questions to Ask Before You Buy Liquor Liability 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?

Liquor Liability Insurance in Florida: Frequently Asked Questions

When can a Florida alcohol provider face liability for intoxication-related injury?

Section 768.125 recognizes potential liability for willful and unlawful service to someone under lawful drinking age or knowing service to someone habitually addicted to alcohol. ¹

Does Florida provide a defense for mistakenly serving a minor?

Section 562.11 provides a complete defense when the person falsely appears of legal age, looks old enough to an ordinarily prudent person, presents an approved ID that is carefully checked, and the seller acts in good faith reliance. ²

Sources for Liquor Liability Insurance in Florida

1
2026 Florida Statutes §768.125, Liability for injury or damage resulting from intoxication. Florida Senate; F.S. §768.125, full 2026 text: lawful-age general rule and exceptions for willful and unlawful supply to a person below lawful drinking age and knowing service to a person habitually addicted to alcohol. Accessed 2026-09-28.
2
2026 Florida Statutes §562.11: Sale or Service to Person Under 21. Florida Senate; F.S. §562.11(1)(a)–(d). Accessed 2026-09-28.
3
Florida Office of Insurance Regulation. Florida Office of Insurance Regulation; Official regulator homepage; insurer regulation. Accessed 2026-09-28.
4
Resources. Florida Office of the Insurance Consumer Advocate; State page links to DFS agent search and OIR active company search. Accessed 2026-09-28.
5
Get Insurance Help. Florida Department of Financial Services; Insurance concern and formal complaint intake; consumer helpline. Accessed 2026-09-28.
6
Florida Statutes § 626.932: Surplus lines tax. Florida Legislature; 4.94% tax on gross premium; home-state taxation; statutory definition of premium. Accessed 2026-09-28.
7
FSLSO Bulletin 2026-02. Florida Surplus Lines Service Office; Service-fee rate effective July 1, 2026: 0.03%. Accessed 2026-09-28.
8
Surplus Lines Search. Florida Office of Insurance Regulation; Consumer guidance for nonadmitted insurers, including absence of FIGA protection. Accessed 2026-09-28.
9
Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
10
Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
11
Insurance Producer Licenses. Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown. Accessed 2026-09-28.
12
About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
13
Licenses. ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885. Accessed 2026-09-28.
14
Insurance Licenses by State. TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number. Accessed 2026-09-28.
15
Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict. Accessed 2026-09-15.

Liquor Liability in Florida

What Is Liquor Liability Insurance?

What Should You Watch for With Liquor Liability Insurance in Florida?

The general rule has two statutory exceptions

The underage-sale defense has several conditions

The civil statute is not a coverage specification