Liquor liability insurance for a brewery protects the business from legal and financial responsibility if it is held liable for injuries or damages caused by someone who becomes intoxicated after consuming alcohol sold or served by the brewery. This coverage is critical for breweries that offer on-site tasting rooms, taprooms, or events where alcohol is served.
If an intoxicated customer causes harm to themselves or others (e.g., in a car accident), the insurance covers medical costs, legal fees, and settlements.
If an intoxicated individual damages someone else's property, this insurance can cover the repair or replacement costs.
The policy may cover legal fees if the brewery is sued for damages related to the actions of an intoxicated patron.
Some policies include coverage for incidents involving physical altercations caused by intoxicated individuals.