The best liquor liability insurance company is Food Liability Insurance Progr🅰am (FLIP), according to Investopedia’s research. It has high liability limits and flexible coverage options. Liquor liability insurance covers costs from claims like those arising from a customer’s drunk driving accident or injuries from a fight. We chose the best companies based on coverage, financial stability🔯, and customer service.
Best Liquor Liability Insurance
- Best Overall, Best for Flexible Coverage: FLIP
- Runner-Up, Best for Nightclubs: 澳洲幸运5官方开奖结果体彩网: Founders
- Best for Wineries and Breweries: Admiral
- Best for Events: Markel
Best Overall, Best for Flexible Coverage : FLIP
:fill(white):max_bytes(150000):strip_icc()/Food_liability_Insurance_Program-a7c364201f084644a253008a507007e7.png)
Food Liability Insurance Program
- Customer complaints: Far fewer than expected
- Liquor liability coverage limit: $2 million
FLIP provides high coverage limits and includes highly customizable policies, so it may be a good choice for liquor lia🌌bility insurance.
High limits for general liability♏ and liquor liability coverag🌞e
Flexible coverage and pricing options
No coverage for grocery stores
May not cover larger businesses
FLIP offers a variety of policy options and high coverage limits for liquor liability insurance. The company receives few 澳洲幸运5官方开奖结果体彩网:customer complaints, suggesting strong customer service.
You can get a policy with up to $2 million in coverage for both general and liquor liability in🍎surance. The company also offers flexible coverage and pricing.✤ You can customize your policy to include assault and battery coverage (which protects your business from claims arising from physical altercations) and cyber liability coverage.
FLIP sells liquor liability insurance policies covering a single event or annual policies providing year-round coverage for businesses that regularly serve alcohol. You can bundle tꦿhese with general liability insurance for more comprehensive protection.
You can file claims, get a quote, and apply for a policy online. However, FLIP doesn’t cover grocery stores ꦚthat sell liquor, and you may need to seek another option if your g🌺ross sales exceed $1 million.
FLIP was founded in🔯 2012 and is ba♛sed in Pleasant Grove, Utah.
Runner-Up, Best for Nightclubs : Founders
:fill(white):max_bytes(150000):strip_icc()/Founders-3da8faeba2f1420cb481ad73ee10ce08.jpg)
Founders Insurance Company
- Customer complaints: Far fewer than expected
- Liquor liability coverage limit: $2 million
Unlike many other insurers Investopedia reviewed, Founde﷽rs offers liquor liability coverage to nightclubs and private clubs.🌠
Offers coverage for nightclubs and private clubs
Few customer complaints
High limits for liq💟uor liability and general liability coverage
No online quote or application
Only available in 18 states
Founders is a strong alternative for liquor liability insurance, especially if you operate a nightclub. It is the only company we reviewed that offers coverage for nightclu🧸bs and private clubs.
In general, Founders insures a range of businesses and situations other insurers might avoid, such as those wi🎉th late closings, prior claims, live entertainment, and special even✱ts. Founders covers nearly any company with a liquor license.
Founders receives few customer complaints and matches FLIP by offering up to $2 million in liquor li🍸ability coverage, providing robust financial protection. You can also get event coverage.
However, Fouဣnders does not offer online quotes or applications, and is only available in 18 states.
Foun𓆉ders was founded in 19🙈01 and is based in Des Plaines, Illinois.
Best for Wineries and Breweries : Admiral
:fill(white):max_bytes(150000):strip_icc()/AdmiralInsuranceGroup-4cf7de8d3b9f4a8ca757d1d17809b073.jpg)
Admiral Insurance Group
- Customer complaints: Far fewer than expected
- Liquor liability coverage limit: $1 million
Admiral is one of the few companies offering coverage to wineries, breweries, and distilleries. It receives few customer complain𝔉ts.
Offers coverage to wineries and breweries
Receives few customer complaints
Competitors offer higher coverage limits
No online claim, quote, or application
Admiral is one of only two comp🍸anies Investopedia reviewed that covers wineries and breweries. These businesses♏ have liability concerns that may differ from those of typical establishments serving alcohol, such as tours, tastings, and on-site production. Admiral also covers hotels, casinos, and distilleries.
The company offers liquor liability coverage either as part of its general liability policies or as staꦑndalone coverage. Admiral receives few customer complaints.
However, Admiral does not offer online claims, quotes, or applications, which might be inconvenient. Its coverage 🔯is unavailable in Alabama, Alaska, Iowa, Vermont, or Washington, D.C.
Admira🐈l was founded in 1974 and is based in Moorestown, New Jersey.
Best for Events : Markel
:fill(white):max_bytes(150000):strip_icc()/MarkelInsurance-f8d149a0b7ea4b89a565a9b635c0eaf6.jpg)
Markel
- Customer complaints: Fewer than expected
- Liquor liability coverage limit: Not disclosed
While we woulꦰdn’t recommend Markel for standard liquor liability coverage, if you need liquor liability coverage for an event you’re hosting, Markel’s event insurance could be a great choice because of its comprehensive 🌜coverage options.
Covers a variety of event types
Can add host liquor liability insurance
Offer event cancellation insurance
Does not offer standalone liquor liability☂ insurance
Markel offers coverage for a variety of events, ranging from personal celebrations (such as weddings and birthday parties) to business and corporate functions (such as meetings and fundraisers). Markel’s event liability insurance can protect you from financial loss if you’re held legally responsible fo✤r property damage to the venue or bodily injury to someone at your event, with up to $2 million in coverage available.
You can secure additional coverage, such as host liquor liability insurance. The policy allows venues to be named as additional insureds, so the venue is also 🦹protected. And you can pu♈rchase coverage up to one day before an event.
An 澳洲幸运5官方开奖结果体彩网:additional insured status on a general liability policy exten♛ds coverage ༒to other parties, protecting them from lawsuits.
Markel also offers event canc🌳ellation insurance, which can help rei🌠mburse you if you have to cancel or postpone an event.
However, Markel does not offer standalone liquor liability insurance and does not offer 𓆏the convenience of online quotes or applications.
Markel wa💮s founded in 🔴1930 and is based in Richmond, Virginia.
Why You Should Trust Us
Investopedia launched in 1999 and has been helping readers find the best liquor liability insurance siꦚnce 2020. Our unbiased, in-depth reviews are based on thorough research to help you make informed decisions for your business.
How We Pi﷽cked the Best Liquor Liability Insuraꦿnce Companies
To identify the best liquor liability insurance c🌜ompanies, we researched industry data, market share, and customer search trends to find the most critic🎐al features and leading insurance companies. We assessed 12 companies using 25 criteria. The research took place from April 17 to April 29, 2025.
Our research included financial strength ratings from AM Best and customer complaint data from the 澳洲幸运5官方开奖结果体彩网:National Asso💝ciation of Insuranc🌸e Commissioners. We also examined the types of coverage offered, coverage limits, and di♐gital features.
We then ranked each company based on the followi👍ng categories and their assigned weights:
- Coverage limits: 36%
- Customer complaints: 20%
- Coverage types: 19%
- Financial strength: 15%
- Digital features: 10%
:max_bytes(150000):strip_icc()/BestLiquorLiabilityInsurance_final-fc7e23b49d0641d2ac0b35c00da125f9.png)
澳洲幸运5官方开奖结果体彩网:Michela Buttignol / Investopedia
Related Articles
:max_bytes(150000):strip_icc()/BestGeneralLiabilityInsuranceforSmallBusiness_final-5ab0bca53c7145da903ab2455adc8415.png)
:max_bytes(150000):strip_icc()/BestCommercialBusinessInsuranceCompanies_final-a23ae3f101fb4e749d31e3855a979a95.png)
:max_bytes(150000):strip_icc()/BestGeneralContractorInsurance_final-c2268a9b36dd4c6fb06ba3dfc6eb82a6.png)
:max_bytes(150000):strip_icc()/BestIndependentContractorInsuranceCompanies_final-0a9fcd5640d04b128b97b6363fc292a7.png)
:max_bytes(150000):strip_icc()/BestHandymanInsuranceCompanies_final-a4846621171f490aa3564adb6ae2b58f.png)
:max_bytes(150000):strip_icc()/BestFoodTruckInsuranceCompanies-final-9716f75280354956beee4b683a324c36.png)
:max_bytes(150000):strip_icc()/BestSmallBusinessInsurance_final-bb9cd30c0e6f4a27a5affd3618001931.png)
:max_bytes(150000):strip_icc()/best-workers-compensation-c9baa4fbf1b6481f9456f20960d11265.jpg)
:max_bytes(150000):strip_icc()/EO-Final-35aff6b5f50644aabd242e60da643e80.jpg)
:max_bytes(150000):strip_icc()/GettyImages-2195105991-519942fbef024150976b868c0cb5f816.jpg)
:max_bytes(150000):strip_icc()/GettyImages-1382271309-8d4d6f8d19444bd8a352877e847d1118.jpg)
:max_bytes(150000):strip_icc()/GettyImages-1252669860-a38c6ca9213a4b139700976e321744f2.jpg)
:max_bytes(150000):strip_icc()/GettyImages-1440410089-2008ea128b5f49f5b7ff964b7c073b84.jpg)
:max_bytes(150000):strip_icc()/BestLifeInsuranceforSmokers-v1-7664eb008016420db003ebb518025ab3.png)
:max_bytes(150000):strip_icc()/11BestTermWholeandNo-ExamLifeInsuranceCompanies-final-1659b4ecc9c3410494a71833647d98d4.png)
:max_bytes(150000):strip_icc()/BestBurialInsuranceCompanies-d48fd5f883cc4d75ba7be6dd91f25d67.png)