Liquor Liability

Liquor Liability 
Businesses that sell and serve alcohol have a critical need for comprehensive Liquor Liability coverage, especially in today’s litigious environment, and what most insurance companies offer varies widely. Our policy serves all types of hospitality risks, including hard-to-place bars and nightclubs.

Liquor Liability is available for Progressive-appointed insurance agents through, Progressive's quoting platform. If you are a non-Progressive agent, complete our "Agent Appointment" form and a member of our team will contact you.

  • Not available for businesses in AK, AL, LA, MS, RI or WV
  • Monoline Liquor Liability for establishments that sell or serve alcoholic beverages, offering protection for covered claims of negligent sale or service
  • Assault & battery included or available for additional premium
  • No cap on alcohol sales
  • Defense costs outside the limit
  • Risks with security and major entertainment acceptable
  • Liquor License Holder included as Additional Insured automatically
  • Coverage available for both licensed and unlicensed operations
  • Up to $1,000,000/$2,000,000 Liquor Liability
  • No sublimit on Assault & Battery ($100,000/$300,000 sublimit on adult clubs only)

Liquor Liability Highlights

Preferred Classes
  • Bars
  • Restaurants
  • Private Fraternal Clubs
  • Retail Liquor/Convenience Stores
  • Nightclubs
  • Adult/Gentleman’s Clubs
  • Banquet Halls
  • Caterers/Bartending Services
  • Wholesale Distributors
  • Various Unlicensed Risks
Restricted Classes
  • Wineries
  • Bottle Service
  • Aggressive drink specials
  • After-hours clubs
  • Multiple prior Liquor and/or Assault & Battery claims
  • Territorial restrictions could apply
  • Not available for businesses in AK, AL, LA, MS, RI or WV

Notwithstanding any language to the contrary, nothing contained herein constitutes nor is intended to constitute an offer, inducement, promise, or contract of any kind. All coverage descriptions and claims examples are provided for informational and educational purposes only and are not a representation as to coverage for any particular claim and are not represented to be error free. Coverage for any claim is determined upon the specific facts of the claim, the terms and conditions of the policy and applicable law. For details on the coverage provided by your specific contract of insurance, please refer to your policy. Coverage is subject to underwriting guidelines and may not be available in all states. Limits may be capped for underwriting reasons. Any links to any sites which are not originated by ABA Insurance Services Inc. (ABAIS) are provided only as a courtesy and are not intended to nor do they constitute an endorsement by ABAIS of the linked materials.