Coverdash Liquor Liability Insurance

Coverdash arranges liquor liability coverage as a broker rather than an insurer. Its terms require customers to designate it as broker or agent of record and to work exclusively with it before it places coverage with a carrier. ^1,²Company-reported. General brokerage terms applied to the liquor liability product page; not specific to any one carrier or state.

Issuing Insurer

Not publicly disclosed. The liquor liability page does not name the insurer that issues the policy. Coverdash's terms say the insurance carrier, not Coverdash, decides whether to offer coverage. ^1,²Reviewed liquor liability page and terms as of 2026-09-23; neither names a carrier for this line.

Who It’s For

Coverdash markets liquor liability to bars, restaurants, breweries, caterers and event venues that serve alcohol, and says it is often required by landlords, licensors and event contracts. ¹Company-reported. Product-page eligibility description; actual acceptance depends on underwriting.

Coverage Features

Coverdash describes four liquor liability protections: bodily injury caused by a patron the business served, property damage from an intoxicated customer, claims from alcohol-related assault and battery on the premises, and legal defense and settlement costs for covered liquor claims. ¹Company-reported. Product-page coverage cards; the issued policy and declarations control actual wording, limits and exclusions.

Coverdash says liquor liability responds to dram shop claims, where a business that serves alcohol to someone who then injures a third party can be held liable. It notes dram shop laws vary by state and that coverage for host-liquor or BYOB events varies, so a buyer should confirm the policy addresses it. ¹Company-reported. FAQ answers on dram shop laws and BYOB events; no specific state law or policy wording checked.

Coverdash says most general liability policies exclude alcohol-related claims, so a business that manufactures, sells or serves alcohol needs liquor liability as separate coverage rather than relying on a general liability policy. ¹Company-reported. FAQ answer distinguishing liquor liability from general liability.

Limits and Retentions

Not publicly disclosed. The liquor liability page does not publish specific limit, retention or deductible amounts. ¹Reviewed liquor liability page as of 2026-09-23; figures are quote-specific and not shown on the public product page.

How to Apply

Coverdash directs buyers to request a liquor liability quote online, and pairs the product with a dedicated advisor for the quote and each renewal, according to the product page. ¹Company-reported. Product-page "Why work with Coverdash" section and quote call to action; response time and advisor availability are company-described and not tested.