Best Liquor Liability Insurance Companies

Best Liquor Liability Insurance Companies

The best liquor liability insurance company is Food Liability Insurance Program (FLIP), according to Investopedia’s research. FLIP offers high liability limits and flexible coverage options, making it an ideal choice for businesses that serve alcohol.

Why Liquor Liability Insurance Matters

Liquor liability insurance covers costs associated with claims arising from customer intoxication, such as drunk driving accidents or injuries sustained during fights. This type of insurance is crucial for businesses that serve alcohol, as it helps protect them from financial losses due to alcohol-related incidents.

Top Picks for Liquor Liability Insurance

1. Best Overall and Best for Flexible Coverage: FLIP

   • Investopedia’s Rating: 4.8
   • Customer complaints: Far fewer than expected
   • Liquor liability coverage limit: $2 million
   • Pros: High limits for general and liquor liability coverage, flexible coverage and pricing options
   • Cons: No coverage for grocery stores, may not cover larger businesses

   FLIP provides highly customizable policies with up to $2 million in coverage for both general and liquor liability insurance. Businesses can customize their policies to include assault and battery coverage and cyber liability coverage. FLIP offers coverage for single events or annual policies for businesses that regularly serve alcohol.

2. Runner-Up, Best for Nightclubs: Founders

   • Investopedia’s Rating: 4.3
   • Customer complaints: Far fewer than expected
   • Liquor liability coverage limit: $2 million
   • Pros: Offers coverage for nightclubs and private clubs, few customer complaints, high limits for liquor and general liability coverage
   • Cons: No online quote or application, available only in 18 states

   Founders is a strong alternative for nightclubs and private clubs, offering coverage for businesses that other insurers might avoid. It provides up to $2 million in liquor liability coverage and event coverage.

3. Best for Wineries and Breweries: Admiral

   • Investopedia’s Rating: 3.7
   • Customer complaints: Far fewer than expected
   • Liquor liability coverage limit: $1 million
   • Pros: Offers coverage to wineries and breweries, few customer complaints
   • Cons: Competitors offer higher coverage limits, no online claim, quote, or application

   Admiral is one of the few companies that cover wineries, breweries, and distilleries, addressing their unique liability concerns such as tours and tastings.

4. Best for Events: Markel

   • Investopedia’s Rating: 2.1
   • Customer complaints: Fewer than expected
   • Liquor liability coverage limit: Not disclosed
   • Pros: Covers various event types, can add host liquor liability insurance, offers event cancellation insurance
   • Cons: Does not offer standalone liquor liability insurance

   Markel’s event insurance is comprehensive, covering personal and corporate events. It offers host liquor liability insurance and event cancellation insurance, making it a good choice for event organizers.

Methodology

Investopedia’s research, conducted from April 17 to April 29, 2025, assessed 12 companies using 25 criteria, including coverage limits, customer complaints, coverage types, financial strength, and digital features. The ranking categories were weighted as follows: Coverage limits (36%), Customer complaints (20%), Coverage types (19%), Financial strength (15%), and Digital features (10%).