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Seguro de Responsabilidad por Licor

Cobertura para reclamos de que su negocio es responsable del daño causado por alguien a quien sirvió o vendió alcohol. La responsabilidad general suele excluir esto, así que un restaurante o bar la necesita aparte.

Comparamos el mercado por usted, sin cargos de corredor

  • Markel

    Liquor liability

  • Kinsale

    Hospitality excess and surplus

  • Great American

    Specialty casualty

  • The Hartford

    Restaurant packages

  • Society Insurance

    Bars and restaurants

  • Philadelphia Insurance Companies

    Hospitality programs

  • Travelers

    Hospitality liability

  • AmTrust

    Restaurant packages

Hecho para negocios que sirven alcohol

  • Restaurantes donde el alcohol es parte del menú
  • Bares, cervecerías y salas de degustación
  • Servicios de catering y salones de eventos
  • Anfitriones de un evento de un día con alcohol

Qué cambia su prima

No existe una tarifa fija para esta cobertura. Estos son los datos que la aseguradora usa para tarifar, y son los mismos que le pide el formulario de cotización.

  • Your class of business and what you actually do day to day
  • Annual revenue, and payroll where the line rates on it
  • How many people work for you, including subcontractors
  • Where you operate, down to the ZIP and the building
  • The limits and deductible you choose
  • Your claims history over the last three to five years

Cómo funciona

  1. Formulario de 10 minutos

    Unas preguntas sobre su empresa o su casa.

  2. Comparamos el mercado

    Comparamos aseguradoras y leemos los formularios línea por línea.

  3. Elija la mejor póliza

    Le explicamos qué está cubierto, qué no, y cuánto cuesta.

Escríbanos. Estamos a su lado.

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  1. Hoy, 9:41 a. m.
  2. El contrato de nuestro segundo local empieza el 1 de septiembre. ¿Lo cubre la póliza actual?
  3. No automáticamente. Envíeme la dirección, superficie, operaciones, valor del contenido y fecha de ocupación. Pediré que lo agreguen antes de que tome posesión.
  4. Le envío ahora los datos del contrato.

  5. Recibido. El local quedó agregado con vigencia desde el 1 de septiembre. Su póliza actualizada está lista.

    Ver póliza actualizada

    menloinsurance.com

Qué cubre esta póliza

Injury caused by an intoxicated patron

Bodily injury or property damage a third party suffers because you served or sold alcohol.

Legal defense

The cost of defending a dram shop claim, which can be significant even when the claim is disputed.

Assault and battery, when included

Some policies extend to fights connected to alcohol service, though this is often a separate grant or sublimit.

Settlements and judgments

Covered damages you become legally obligated to pay, up to your policy limits.

Preguntas frecuentes

What is liquor liability insurance?

It covers claims that a business is responsible for harm caused by someone it served or sold alcohol to. If an intoxicated patron later injures a third party, a dram shop claim can name the business that served them, and this coverage responds to those claims and their defense costs.

How much does liquor liability insurance cost?

Cost depends on your alcohol sales as a share of revenue, the type of venue, your hours, and your loss history. A restaurant where alcohol is a small part of sales usually pays less than a bar or nightclub. We quote it against how you actually operate.

What is dram shop liability?

Dram shop laws let an injured third party hold a business liable for serving alcohol to someone who was already intoxicated or underage and then caused harm. California's rules are narrower than many states, but exposure exists, especially around serving minors, and contracts and venues often require the coverage regardless.

Does a restaurant need liquor liability insurance?

If it serves or sells alcohol, yes, in most cases. A general liability policy usually excludes or limits liquor-related claims, so a restaurant, bar, or brewery generally needs liquor liability to fill that gap. Landlords and event venues frequently require it too.

Isn't liquor liability included in my general liability policy?

Usually not. Standard general liability contains a liquor liability exclusion for businesses in the business of manufacturing, selling, serving, or furnishing alcohol. That is exactly why a separate liquor liability policy or endorsement exists. We confirm where your GL ends and this begins.

Can I get liquor liability for a one-day event?

Yes. Special event or host liquor policies cover a single event where alcohol is served, such as a wedding or fundraiser. The venue often requires it. Tell us the date, venue, and whether alcohol is sold or served, and we place the right form.

Does this policy cover your own property and injuries?

Damage to your premises and injury to you or staff fall under property and workers compensation.

Does this policy cover assault or battery when excluded?

Many liquor policies exclude fights unless assault and battery is specifically added back.

Does this policy cover serving to a minor knowingly, or illegal acts?

Deliberate illegal service can be excluded, depending on policy wording and state law.

Does this policy cover liquor sold without the required license?

Coverage generally assumes you hold the proper license for how you serve.

Obtenga una cotización de responsabilidad por licor

Díganos el tipo de local, las ventas de alcohol y el horario, o los detalles de un solo evento. Comparamos aseguradoras y colocamos el formulario correcto.

Hable con un especialista