If you sell, serve, or even furnish alcohol, General Liability won’t respond to an over-service claim. Liquor Liability covers the lawsuit when an intoxicated patron causes harm after leaving your establishment.
What it covers
- Bodily injury or property damage caused by an intoxicated patron
- Assault & battery related to alcohol service (where available)
- Defense costs for dram-shop-style claims
Who needs it
Any Florida business that serves or sells alcohol — restaurants, bars, breweries, caterers, and event venues.
Florida note
Required separately from GL and frequently demanded by Florida landlords and event contracts. We confirm your assault-and-battery sublimit — the coverage most often quietly excluded.