Restaurants, bars, event spaces, and entertainment venues bring people together—but serving alcohol comes with added liability exposure. Establishments that serve alcohol can be held liable for injuries or damages caused by an intoxicated patron, both on premises and after they leave

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Liquor liability coverage provides essential protection for licensed operators against claims related to intoxicated patrons, helping businesses operate with confidence.

 

Working with our broker partners, Unique Risks delivers tailored P&C liquor package liability solutions designed for a wide range of businesses—from family restaurants to high-volume nightclubs.

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Target Classes:

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• Licensed Establishments with up to 100% Liquor Revenues

  • Restaurants

  • Pubs, Sports Bars, Breweries, and Brewpubs

  • Cocktail Bars and Supper Clubs

  • Nightclubs, Student Bars, and Lounges

  • Strip Clubs and Adult Clubs

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• Recreation Facilities with Liquor Exposure

  • Bowling Alleys and Axe Throwing

  • Arcades

  • Indoor & Outdoor Amusement Parks

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• Entertainment with Liquor Exposure

  • Concert Halls and Live Music Venues

  • Music Festivals

  • Arenas and Stadiums

  • Special Events

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• and much more...

 

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Coverage:

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• CGL, Umbrella, and Excess limits up to $5,000,000

• Liquor Liability up to the policy limits

• Forcible Ejection Sublimit

• Package Property limits available

 

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Submission Requirements:

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• Completed Hospitality Application

• Breakdown of revenue – Food vs. Liquor

• Loss history

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Please submit applications to submissions@uniquerisks.com​