Liquor Liability in Washington

Washington law bars selling liquor to a person who appears under the influence, and the Liquor and Cannabis Board requires MAST permits for covered alcohol-service roles. Make sure your policy, staff training records, and licensed locations match the way your business serves alcohol.

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 to Watch for With Liquor Liability in Washington

Refusing Service Is a License Rule
RCW 66.44.200 prohibits selling liquor to anyone apparently under the influence; a patron who appears intoxicated also may not purchase or consume alcohol on licensed premises. Ask how the policy handles claims after an overservice allegation and document refusal and incident procedures. ¹
Many Service Roles Need a MAST Permit
Washington LCB requires a MAST permit for people who serve, mix, sell, or supervise on-premises alcohol service, and some tasting and growler roles are included. Confirm permit timing for new hires and retain records for the employees covered by your liquor-liability application. ^2,³
Enforcement Can Be Separate for the Same Incident
The statute says an administrative action over an unlawful sale and an infraction against an intoxicated patron are separate proceedings. Ask the broker how defense and investigation costs are treated when a regulator and an injured claimant pursue matters after one event. ¹

Which Liquor Liability Providers Have Washington 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 Washington. 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 Washington?

Washington State Office of the Insurance Commissioner

The Washington State Office of the Insurance Commissioner administers Washington insurance laws, oversees insurers and insurance producers within its authority, and provides regulatory and consumer resources. You can use the department's complaint process to raise an insurance issue and its licensing resources to check insurance professionals. ^4,^5,⁶

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint

Surplus-Lines Tax and Stamping Office in Washington

Reported tax rate. 2% of premium ^7,⁸

The NAIC's state chart lists a 2% of premium charge for surplus-lines coverage for Washington (the chart's state entries were reviewed in October 2025). Your broker may collect the applicable amount with the premium. Surplus-lines insurers are not licensed in the state and generally are outside state guaranty-association protection; ask your broker to explain the insurer's financial protections and any diligent-search requirement that applies to your placement.

Questions to Ask Before You Buy Liquor Liability in Washington

Which of our staff roles require MAST permits, and what proof should we retain?
Does the quote cover all locations and tastings where we serve alcohol?
How are defense costs handled if a liquor-control investigation and an injury claim follow the same incident?

Liquor Liability Insurance in Washington: Frequently Asked Questions

Do Washington alcohol servers need a permit?

Yes. LCB requires a MAST permit for covered alcohol-service and supervisory roles, including on-premises servers and bartenders; some off-premises tasting roles are covered too. ^2,³

Can a Washington bar serve an apparently intoxicated person?

No. RCW 66.44.200 prohibits selling liquor to a person apparently under the influence. ¹

Sources for Liquor Liability Insurance in Washington

1
RCW 66.44.200. Washington State Legislature; Subsections (1) and (3): prohibited sale; separate administrative and infraction proceedings. Accessed 2026-09-29.
2
Mandatory Alcohol Server Training. Washington State Liquor and Cannabis Board; Roles requiring MAST permits. Accessed 2026-09-29.
3
MAST FAQs. Washington State Liquor and Cannabis Board; Permit timing and validity. Accessed 2026-09-29.
4
Washington State Office of the Insurance Commissioner. Washington State Office of the Insurance Commissioner; Official regulator website; insurance oversight and consumer/professional resources. Accessed 2026-09-28.
5
Insurance Department Directory. National Association of Insurance Commissioners; Washington State Office of the Insurance Commissioner entry; official contact and website listing. Accessed 2026-09-28.
6
Licensing Center. National Insurance Producer Registry; State producer licensing and lookup resources. Accessed 2026-09-28.
7
Surplus Lines Insurance Premium Taxes. National Association of Insurance Commissioners; WA row; state surplus-lines premium-tax rate reviewed October 2025. Accessed 2026-09-28.
8
Guaranty Associations & Funds. National Association of Insurance Commissioners; Coverage of claims from insolvencies of insurers licensed in a state; surplus-lines insurers are nonadmitted. 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
About Risklytics. Risklytics; What we do; Who we insure; Licensing; Agency licenses table dated 2026-09-10. Accessed 2026-09-16.
15
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.
16
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 Washington

What Is Liquor Liability Insurance?

What to Watch for With Liquor Liability in Washington

Refusing Service Is a License Rule

Many Service Roles Need a MAST Permit

Enforcement Can Be Separate for the Same Incident