Norwest NSW
Liquor Liability Insurance
If you sell or serve alcohol, you carry a different level of risk. A patron who drinks too much and has an accident afterwards, or hurts someone, may lead to a claim against the venue that served them.
Liquor liability insurance covers legal liability that arises from the sale, supply or service of alcohol.
Who it suits
- Pubs, bars, clubs and restaurants
- Bottle shops and liquor stores
- Caterers and event organisers who serve alcohol
- Function venues, hotels and motels
What it can cover
- Legal liability for injury or property damage linked to alcohol you served
- Legal defence costs
- Claims from patrons or third parties
What to check
- Responsible service of alcohol (RSA). In NSW, staff serving alcohol generally need RSA training, and insurers expect it.
- Licence conditions and trading hours
- Exclusions in your public liability policy for liquor claims
- Special events or temporary licences
Case study
An example
A restaurant keeps serving a guest who is visibly intoxicated. He leaves, drives and injures a pedestrian. The pedestrian makes a claim naming the restaurant. If the policy includes liquor liability and the venue followed its conditions, the policy may respond to legal costs and any liability.
Illustrative example only. Cover depends on your policy wording.
Contact us
Tell us:
We're based at Suite 2.02, 2-8 Brookhollow Ave, Norwest NSW. Call 02 8660 2305 or email admin@idealbrokers.com.au.
Ideal Insurance Brokers, Norwest NSW 2153. Ideal Brokers Pty Ltd (CAR No. 001262504 | ABN 65 623 205 952) is a Corporate Authorised Representative of Metrix Connect Pty Ltd ACN 635 286 136 as the trustee for the Metrix Connect Hybrid Trust ABN 55 742 327 931 | AFSL No. 525491. This page contains general information only and does not take into account your objectives, financial situation or needs. Read the Product Disclosure Statement before buying.
Liquor liability insurance FAQs
Often it excludes it or limits it. Check the wording.
Often yes, especially if a venue or council asks for it.
It helps. It also helps in a claim.