The best liquor liability insurance company is Food Liability Insurance Program (FLIP), according to Investopedia’s research. It has high liability limits and flexible coverage opt✅ions. 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 stabilit⛄y, and customer service.
Best Liquor Liability Insurance
- Best Overall, Best for Flexible Coverage: FLIP
- Runner-Up, Best for Nightclubs: 澳洲幸运5开奖号码历史查询: Founders
- Best for Wineries and Breweries: Admiral
- Best for Events: Markel
Best Overall, Best for Flexible Coverage : FLIP
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Food Liability Insurance Program
- Customer complaints: Far fewer than expected
- Liquor liability coverage limit: $2 million
FLIP provides high coverage limits and includes highly custom💫izable policiesꦆ, so it may be a good choice for liquor liability insurance.
High limits forꦛ general liability an♒d liquor liability coverage
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开奖号码历史查询:customer complaints, suggesting strong customer service.
You can get a policy with up to $2 million in coverage for both general and liquor liability insurance. The company also offers flexible coverage and pricing. You can customize your policy to include assault and battery coverage (which protects y▨our 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 these with general liability insurance for more comprehensive prot🍨ec൩tion.
You can file claims, get a quote, and apply for a policy online. However, FLIP🍒 doesn’t🍌 cover grocery stores that sell liquor, and you may need to seek another option if your gross sales exceed $1 million.
FLIP was founded in 🗹2012 and is based in Pleasant Grove, Utah.
Runner-Up, Best for Nightclubs : Founders
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Founders Insurance Company
- Customer complaints: Far fewer than expected
- Liquor liability coverage limit: $2 million
Unlike many othe﷽r insurers Inve🅰stopedia reviewed, Founders offers liquor liability coverage to nightclubs and private clubs.
Offers coverage for nightclubs and private clubs
Few customer complaints
High limits for liquor liability 𝓀and general liܫability coverage
No online quote or application
Only available in 18 states
Founderꦛs is a strong alternative for liquor liability insurance, especially if you oper♎ate a nightclub. It is the only company we reviewed that offers coverage for nightclubs and private clubs.
In general, Founders insures a range of businesses and situations other insurers might avoid, such as those with late closings, prior claꦗims, live entertainment, and special events. 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 liability coverage, providing robust financial protection. You can also get event coveragꦦe.
However, Founders does not offer online quotes or applications, and is only availa𝓡ble in 18 states.
Founders was founded in 1901 and is bas𓆏ed in Des Plaines, Iꦍllinois.
Best for Wineries and Breweries : Admiral
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Admiral Insurance Group
- Customer complaints: Far fewer than expected
- Liquor liability coverage limit: $1 million
Admiral is one of the few companies offering cov𝄹erage to wineries, breweries, and distilleries. It receives few customer complaints.
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 companies Investopedia reviewed that covers wineries and breweries. These businesses have liability conce🌄rns that may differ from those of typical establishments serving alcohol, such as tours, tastings, and on-site production. Admiral also𒉰 covers hotels, casinos, and distilleries.
The company offers liquor liability coverage either as part of its general liability policies or as standalone coverage. Admiral receives few custom🔥er complaints.
However, Admiral does not offer o💃nline claims, quotes, or applications, which🥂 might be inconvenient. Its coverage is unavailable in Alabama, Alaska, Iowa, Vermont, or Washington, D.C.
Admiral was founded in 1974 and is based🌱 in Moorest⭕own, New Jersey.
Best for Events : Markel
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Markel
- Customer complaints: Fewer than expected
- Liquor liability coverage limit: Not disclosed
While we wouldn’t recommend Markel for s🔴tandarꦓd 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 stan🌸dalone l𒉰iquor 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 for 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 purchase coverage up to one day before an event.
An 澳洲幸运5开奖号码历史查询:additional insured status on a general liability policy extends coverage to other parties, protect🦋🐼ing them from lawsuits.
Markel also offers event ca🐭ncellation insurance, which can help reimburse you if you have to ca🏅ncel or postpone an event.
However, Mark൩el does not offer standalone liquor liabilꦫity insurance and does not offer the convenience of online quotes or applications.
Marke♈l was founded in 1930 and is based inᩚᩚᩚᩚᩚᩚᩚᩚᩚ𒀱ᩚᩚᩚ Richmond, Virginia.
Why You Should Trust Us
Investopedia launched in 1999 💎and has been helping readers find the best liquo🧔r liability insurance since 2020. Our unbiased, in-depth reviews are based on thorough research to help you make informed decisions for your business.
How We Picked the Best Liquor Liability Insurance Companie🍌s
To identify the best liquor liability insur🉐ance companies, we researched industry data, market share, and customer search trends to find the most critical 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开奖号码历史查询:National As💮sociation of Insurance Commissioners🐈. We also examined the types of coverage offered, coverage limits, and digital features.
We then ranked each 𒉰company based on the following categories and their assigned weights:
- Coverage limits: 36%
- Customer complaints: 20%
- Coverage types: 19%
- Financial strength: 15%
- Digital features: 10%
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澳洲幸运5开奖号码历史查询:Michela Buttignol / Investopedia
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