Liquor Liability

Liquor Liability may be one of the most difficult definitions in insurance.  Legally speaking, any establishment that sells, serves, or assists in the purchase or use of alcohol opens its doors for a liability claim as a consequence of intoxication resulting in injuries or property damages. This includes restaurants, bars, nightclubs, taverns…and even fellowship halls.  Unfortunately, in today’s “age of litigation”, lawsuits typically include any and all parties or entities with even a remote connection to an incident.


The General Liability Policy specifically excludes Liquor Liability.  Included however, is Host Liquor Liability which offers coverage should an entity rent or offer its location for an event in which alcohol is provided and distributed by the renter.

Church fellowship halls often need Liquor Liability. Whether it is a wedding, a funeral, or a simple social gathering, churches often serve alcohol. Insurance Systems Group has the carriers and product knowledge to provide coverage for church and church institution’s liquor liability exposures.

Special Events

Many churches will have summer or fall festivals within their communities – a wonderful way to spread culture and Orthodoxy.  While festivals are fun and enjoyable, they often present coverage issues.  While the General Liability policy may provide some coverage, there are often Liability exposures that go uncovered.

Insurance Systems has the ability to protect churches and church entities for claims arising as a result of a “special event”.  Policies can be written to include specialized General Liability and Liquor Liability, as well as coverage for setup, tear down, and even rain dates.