Liquor Liability Insurance – Protect Your Business with Hawsey Insurance

If your business sells, serves, or manufactures alcohol, you need the right protection. Liquor liability insurance safeguards your company from costly claims, lawsuits, and damages that can arise from alcohol-related incidents.

At Hawsey Insurance, we specialize in Mississippi liquor liability insurance for bars, restaurants, liquor stores, breweries, wineries, event venues, and more. Our team helps you find comprehensive coverage at competitive rates so you can serve your customers with confidence.

What Is Liquor Liability Insurance?

Liquor liability insurance is a specialized commercial policy that protects your business if you are held responsible for injury, property damage, or other harm caused by someone who consumed alcohol you sold or served.

In states like Mississippi, dram shop laws can make alcohol-serving establishments liable for incidents involving intoxicated patrons. Without liquor liability coverage, your business could face devastating legal and financial consequences.

Who Needs Liquor Liability Insurance?

You should consider liquor liability coverage if your business:

• Serves alcohol on the premises (bars, pubs, nightclubs, restaurants)
• Sells packaged alcohol for off-site consumption (liquor stores, breweries, wineries)
• Offers alcohol at private events (catering companies, banquet halls)
• Hosts festivals or special events with alcohol sales

Even if alcohol is only a small part of your business, one incident could lead to substantial legal costs.

Why General Liability Insurance Isn’t Enough

Standard general liability policies often exclude alcohol-related claims. That’s why a liquor liability insurance policy is crucial—it specifically addresses risks tied to alcohol service and sales, covering legal defense, settlements, and damages.

What Liquor Liability Insurance Covers

A Hawsey Insurance liquor liability policy can include:

• Bodily Injury – Covers medical bills and lawsuits if a patron causes or suffers injury after drinking.
• Property Damage – Repairs or replacement for damage caused by intoxicated individuals.
• Legal Defense Costs – Attorney fees, court costs, and settlements.
• Assault & Battery Coverage – Optional protection for fights or altercations involving intoxicated patrons.
• Employee-Related Incidents – Coverage for situations involving employees who consume alcohol.

Factors That Affect Liquor Liability Insurance Costs

Your premium for liquor liability insurance depends on:

• Type of establishment and percentage of sales from alcohol
• Hours of operation and last-call times
• Staff training programs (TIPS, ServSafe Alcohol)
• Prior claims history
• Security measures such as cameras, ID scanning, and security personnel

Reducing Liquor Liability Risk

Implementing risk management practices can reduce your exposure and help lower your premiums:

• Train staff to recognize signs of intoxication
• Always check IDs for legal drinking age compliance
• Limit high-alcohol promotions and drink specials
• Provide food and water alongside alcohol
• Arrange transportation options for guests

Why Choose Hawsey Insurance for Liquor Liability Coverage?

When you work with Hawsey Insurance, you get:

• Local Expertise – We understand Mississippi liquor laws and industry-specific risks.
• Customized Policies – Coverage tailored to your exact operations.
• Competitive Quotes – Access to multiple A-rated carriers.
• Fast Certificates of Insurance – For licensing and event requirements.
• Responsive Service – Real people answering your questions, not automated systems.

Get a Free Liquor Liability Insurance Quote Today

Protect your business from alcohol-related claims with a liquor liability insurance policy designed by Hawsey Insurance.

📞 Call us today or request a free quote online to see how affordable the right protection can be.
📍 Serving businesses throughout Mississippi with local offices ready to assist you.