If you’re having trouble finding resources to get liquor liability insurance for events, it’s likely because liquor liability insurance is often buried into special event insurance policies.
Special event insurance policies are policies taken out for specific events like weddings, birthday parties, showers, and so on and covers policy holders from liabilities that might arise from hosting an event.
See our comprehensive 2025 review of all of the major U.S. event insurance companies:
Or use our quote calculator to find the best option for liquor liability insurance for events:
What is Liquor Liability Insurance for Events?
Liquor liability insurance, in short, provides coverage for alcohol-related incidents, including drinking and driving liability claims.
It is often included as part of an event insurance policy in the form of host liquor liability or retail liquor liability.
Why You Need Liquor Liability Insurance for Events
Serving alcohol at events comes with risks:
- Third-party bodily injury
- Property damage
- Equipment damage by intoxicated guests
- Fights between intoxicated attendees
Without proper coverage, you could be held personally liable for these incidents, potentially facing expensive lawsuits and medical costs.
Coverage Details
A typical liquor liability policy for events may include:
- Legal fees and settlements
- Medical expenses
- Property damage costs
Many policies offer coverage limits up to $1,000,000 per occurrence and $2,000,000 aggregate.
Key Benefits
- Financial protection against alcohol-related claims
- Coverage for setup and teardown (up to 3 days)
- Ability to add venues and organizers as additional insureds
- Increased credibility and marketability for your event
Our Top Picks
Be sure to check your venue’s insurance requirements before securing a policy!
GatherGuard
Included damage to rented premise limit: $250,000 (options to upgrade to $1M)
Medical expense limit: Not included
Waiver of Subrogation Endorsement: No
Primary Noncontributory Endorsement: No
Free quote feature available
SpecialInsurance.com
Damage to rented premise limit: $300,000 (options to upgrade to $1M)
Medical expense limit: $5,000
Waiver of Subrogation Endorsement: Yes
Primary Noncontributory Endorsement: Yes
Free quote feature available
Coverage can extend beyond midnight depending on state liquor laws, in which case only 1 day of coverage is required