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Liquor Liability insurance (also called Dram Shop Insurance*) provides coverage for bodily injury or property damage for which an insured may be held liable by reason of the following:

  • Causing or contributing to the intoxication of a person;
  • Furnishing alcoholic beverages to a person under the influence of alcohol; or
  • Violating any statute, ordinance, or regulation relating to the sale, gift, distribution, or use of alcoholic beverages.

Coverage can be obtained only if the insured is involved in one the following activities:

  • Manufacturing, selling, or distributing alcoholic beverages;
  • Serving or furnishing alcoholic beverages for a charge, whether or not such activity requires a license or is for the purpose of financial gain or livelihood; or
  • Serving or furnishing alcoholic beverages without a charge, if a license is required for such activity.

* What is a Dram Shop?
In 18th Century England, thousands of so-called "gin-shops" sold homemade gin by the dram (about a spoonful). When the King of England decided to tax the sale of gin, these "dram shops" quickly went underground in an effort to avoid paying taxes. Today's legal system considers any establishment selling liquor illegally as a modern day equivalent of these "dram shops" of the 1700's.



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