Tell us how you serve alcohol
Say whether you sell drinks every day or host the occasional event. Your Spot team asks about catering and off-site service.
Willow KitchenOrganized by Spot
Liquor Liability Insurance Quotes
Get liquor liability insurance quotes with Spot
Tell your Spot team how and where you serve alcohol, and we prepare the submission brokers use to request liquor liability quotes.
Get quotes from liquor liability insurance providers
- How and where you serve alcohol described once
- Common-cause limits and off-site events checked
- Keep your broker or switch, with no commissions on premiums
How it works
Add locations and licensing
We list your premises, events away from them and any bring-your-own-alcohol arrangement, along with your liquor license details.
Liquor liability insurance
Willow Kitchen · Policy review
- Policy wording
- Coverage limits
- Compare with
- Contract requirements
Confirm with your broker
Limits, exclusions, and endorsements
Brokers take it to market
We work with brokers to request proposals from insurers that write alcohol service, and follow up on their questions.
# spot-support
CaseyWillow Kitchen
What do we need to request liquor liability insurance quotes?
RileySpot
Let’s prepare the information for your broker and compare the terms, not just the price.
Compare limits and conditions
Each quote’s defense terms, common-cause limit, license-related exclusions and reporting deadlines are laid out together.
Insurance documents
Quote requestLiquor liability insurance
Coverage limits · Policy terms
Willow Kitchen
What you’ll need
- 01
Type of alcohol service
Whether you’re in the business of selling or serving alcohol, or host events occasionally.
- 02
Locations
Each premises where alcohol is served.
- 03
Catering and off-site events
Service away from your usual premises, which your existing coverage may not include.
- 04
Bring-your-own-alcohol arrangements
If guests bring their own, disclosed so the quote can treat it.
- 05
Alcohol sales
Annual sales of alcohol, which insurers use to rate the exposure.
- 06
Security and staff practices
How you handle security and train staff, relevant to assault-and-battery allegations.
- 07
License and incident history
Your liquor license details and any past incidents or claims.
What affects your price
- 01
How much alcohol you serve
Alcohol sales and the nature of the business drive the rate.
- 02
Type of venue
A regular bar and an occasional company party need different protection.
- 03
Off-site and catered events
Service away from your premises adds exposure.
- 04
Limits
Common-cause and aggregate limits, and whether defense costs use them, change the price.
- 05
Claims and incident history
Past claims and security problems raise the price or narrow who will quote.
Providers your broker can approach
Get quotes from liquor liability insurance providers.
- Alliance Risk
- Corgi
- Coverdash
- Harper
- Markel Insurance
- THREE by Berkshire Hathaway
- WithCoverage
- And many more
Common questions
Is liquor liability included in general liability?
Not necessarily. A bar, restaurant or event may need terms beyond general liability, so we check each proposal.
What is a common-cause limit?
One patron’s actions can lead to claims from several injured people, and the policy may group them under one limit. We show that limit next to the aggregate.
Are assault-and-battery claims covered?
It varies by quote. We ask how each treats those allegations and related security failures.
Can my current broker quote liquor liability with Spot?
Yes. Spot works alongside brokers and takes no commissions on premiums, and you can change brokers if you wish.
Related
Get insurance off your to-do list.
Tell your Spot team how and where you serve alcohol, and we prepare the submission brokers use to request liquor liability quotes.
Get StartedLearn more before you get quotes
Read these before you choose a policy or an insurer.
