If your business serves, sells, or distributes alcohol, you face a unique set of risks. Liquor liability insurance protects your business against claims arising from the actions of intoxicated customers or guests.
Many standard commercial general liability policies exclude liquor liability. If you serve alcohol, you need a separate liquor liability policy or endorsement to be fully protected.
Third-Party Bodily Injury
Covers claims from customers or third parties injured as a result of an intoxicated person served by your establishment.
Property Damage
Covers damage to third-party property caused by an intoxicated patron who was served at your business.
Defense Costs
Covers legal defense costs even if the lawsuit is ultimately unsuccessful.
Host Liquor Liability
For businesses that serve alcohol at events or company gatherings without selling it — often added as an endorsement to a general liability policy.
PC&L Agency has relationships with carriers throughout South Carolina who specialize in liquor liability coverage for restaurants, bars, hotels, caterers, and event venues.