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Step 1
Determine the type of liquor liability insurance you need. You need host liquor liability if you are organizing a special event that will serve liquor and you do not operate a business that serves alcohol. You need regular liquor liability if you sell or serve alcohol.
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Step 2
Pick the type of coverage you want. Maximum policy limits are often $1,000,000, although you can find policy limits for up to $2,000,000. You can also find policy limits as low as $50,000. Make sure you have enough comprehensive coverage to protect your business and assets.
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Step 3
Search reviews for various insurance companies to determine your top choices. Visit websites like A.M. Best to for ratings on companies that interest you.
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Step 4
Contact representatives of your three top insurance company choices to compare quotes. Be prepared to give them your complete business or event information, which can include your liquor license number, types of alcohol served, gross annual sales of your business, opening and closing times of your business or special event, seating and capacity limits.
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Step 5
Choose your policy based on the most comprehensive coverage you can get for the lowest premium.
