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Host liquor insurance is typically included in general liability insurance, which can pay for expenses resulting from third-party injuries or property damage.

Product liability insurance is covered under a general liability policy in conjunction with liability work that has been completed. This kind of coverage, which is included in bodily injury and property damage liability, is a combined piece of protection known as products-completed operations ability.

The liquor liability exclusion eliminates coverage for bodily injury or property damage where the insured is held liable for damages because the insured caused or contributed to the intoxication of any person, furnished alcoholic beverages to a minor or person under the influence of alcohol, or violated an alcoholic ...

Michigan's liquor law requires proof of liquor liability insurance which is also called Proof of Financial Responsibility. Submitting proof of liquor liability insurance to the Michigan Liquor Control Commission (MLCC) is done so by filling out the LC-95 form, which is required by MCL 436.1803 .

For example, a hairstylist mops her ceramic foyer but fails to warn customers of the slippery conditions, and a customer slips and breaks her leg. The customer's bodily injury claim for damages, pain, suffering and medical costs falls under commercial general liability coverage.

Another name for liquor liability insurance is dram shop insurance. A dram shop is a bar or business that focuses on selling, serving or making alcohol. It also refers to the dram shop laws that a majority of states have.

While general liability is intended for the hazards of operating a business, liquor liability is tailored to cover the specific risks associated with serving alcohol to patrons. It thus offers a more niche scope of coverage.

If your business manufactures, sells, serves, or facilitates the use or purchase of alcohol, then you need liquor liability insurance coverage.