--- title: Liquor Liability Insurance in Massachusetts | Charles River Insurance description: Liquor liability insurance helps protect Massachusetts businesses that are involved in the sale of alcohol from this potential risk. Get a free quote! --- [![CR_final_logo_white](https://www.charlesriverinsurance.com/hs-fs/hubfs/CR_final_logo_white.png?width=1317&name=CR_final_logo_white.png "CR_final_logo_white")](https://www.charlesriverinsurance.com/) [![quote now](https://no-cache.hubspot.com/cta/default/1738700/0df88c31-4531-4b8f-8a14-8e2a212096e8.png)](https://cta-redirect.hubspot.com/cta/redirect/1738700/0df88c31-4531-4b8f-8a14-8e2a212096e8) # Liquor Liability Insurance from Massachusetts Specialists ## **Proudly Providing Liquor Liability Insurance to Businesses in Massachusetts & ****Many Other States Across the Nation** Intoxication often leads to questionable actions, ones that sometimes result in accidents. If an intoxication leads to property damage or bodily harm, the intoxicated person may not be the only party held responsible for the incident. Any establishment that served the person alcohol might be held liable -- and forced to provide compensation for the damage or harm. Liquor liability insurance helps protect Massachusetts businesses that are involved in the sale of alcohol from this potential risk. [![We Are Here to Grow With You](https://no-cache.hubspot.com/cta/default/1738700/385d1b06-32e0-4238-b35d-0402f78bf857.png)](https://cta-redirect.hubspot.com/cta/redirect/1738700/385d1b06-32e0-4238-b35d-0402f78bf857) ## What is Liquor Liability Insurance? Liquor liability insurance helps protect establishments that serve alcohol from liability lawsuits related to the actions of intoxicated patrons. Although it may seem like individuals should be held responsible for their actions, establishments that enable individuals to become drunk are often sued for any damages or injuries that are brought about by the intoxication. In many cases, these lawsuits can be for large sums, and they’re often devastating if a business doesn’t have a liquor liability policy. ![Liquor Liability Insurance Massachusetts](https://www.charlesriverinsurance.com/hs-fs/hubfs/Assets_Website/Liquor%20Liability/shutterstock_321724490.jpg?width=1105&name=shutterstock_321724490.jpg "Liquor Liability Insurance Massachusetts") ## What Establishments Need a Liquor Liability Policy? Any establishment that sells alcohol, whether for on-premise or off-premise consumption, should have a liquor liability policy. The list of businesses that ought to have coverage includes (but isn’t limited to): - Restaurants that serve alcohol - Bars - Nightclubs - Liquor, wine, and beer stores - Event venues that offer alcohol [![Start The Conversation!](https://no-cache.hubspot.com/cta/default/1738700/a236db75-3731-4176-98f9-2f7b1eb2805e.png)](https://cta-redirect.hubspot.com/cta/redirect/1738700/a236db75-3731-4176-98f9-2f7b1eb2805e) ## Why Do Establishments Need a Liquor Liability Policy? Establishments should have a liquor liability policy to ensure their business could survive a covered liability lawsuit. Even establishments that would prefer to self-insure, however, have to have a policy. In order to obtain a liquor license in Massachusetts, an establishment must provide proof of a liquor liability policy that affords at least the state’s minimum coverage requirements (many businesses will want more than the state’s required minimum levels of coverage to better protect themselves). Additionally, establishments that have loans are often required to have a liquor liability policy by their loan holder. Companies that lend money to businesses want to ensure their investments are protected, which means guarding against potential intoxication-related lawsuits when financing establishments that sell alcohol. ![Liquor Liability Insurance Massachusetts](https://www.charlesriverinsurance.com/hs-fs/hubfs/Assets_Website/Liquor%20Liability/shutterstock_350012687.jpg?width=1105&name=shutterstock_350012687.jpg "Liquor Liability Insurance Massachusetts") ## Do Establishments Still Need to Check IDs? All establishments need to take whatever steps are necessary to make sure they don’t serve underage individuals alcohol. Not only is it illegal to give an underage person an alcoholic beverage, but most, if not all, liquor liability policies exclude incidents involving intoxicated patrons who are underage from their coverages. Thus, establishments should check IDs to ensure they don’t break the law by serving someone who’s underage and potentially expose themselves to a great financial risk. ## How Can Establishments in Massachusetts Get Liquor Liability Coverage? There are several ways for Massachusetts establishments that serve alcohol to get liquor liability coverage. It’s sometimes available through a [general liability policy](https://www.charlesriverinsurance.com/general-liability-insurance-massachusetts) or certain [business insurance](https://www.charlesriverinsurance.com/business-insurance-massachusetts) policies. Most businesses, however, purchase a separate liquor liability insurance policy. An independent insurance agency that specializes in commercial insurance policies can help you determine which method of obtaining coverage is best for your establishment.[![Talk to a Business Specialist](https://no-cache.hubspot.com/cta/default/1738700/1a5a7460-d752-497d-884a-efcaf51620ca.png)](https://cta-redirect.hubspot.com/cta/redirect/1738700/1a5a7460-d752-497d-884a-efcaf51620ca) ## The Reality of Serving Liquor in Massachusetts Intoxication often leads to questionable actions, ones that sometimes result in accidents. If an intoxication leads to property damage or bodily harm, the intoxicated person may not be the only party held responsible for the incident. Any establishment that served the person alcohol might be held liable -- and forced to provide compensation for the damage or harm. Liquor liability insurance helps protect Massachusetts businesses that are involved in the sale of alcohol from this potential risk. ### Get a Free Quote ![CR_final_logo_white](https://www.charlesriverinsurance.com/hs-fs/hubfs/CR_final_logo_white.png?width=349&height=54&name=CR_final_logo_white.png)![ACCCE-AllianceMember-CannabisRiskManagementlge](https://www.charlesriverinsurance.com/hs-fs/hubfs/ACCCE-AllianceMember-CannabisRiskManagementlge.png?width=99&name=ACCCE-AllianceMember-CannabisRiskManagementlge.png)   [Please leave us a review on Google!](https://g.page/r/CUoCbcGtSEUjEAg/review) ## Framingham Office 1661 Worcester Rd. Suite 402  Framingham, MA 01701 **Phone: [508-656-1400](tel:508-656-1400)** ## Leominster Office 29 Main Street Leominster, MA 01453 **Phone: [978-343-6946](tel:9783436946)** This material is for informational purposes only. All statements herein are subject to the provisions, exclusions and conditions of the applicable policy, state and federal laws. For an actual description of coverage, terms and conditions, please refer to the applicable insurance policy or check with your insurance professional. The illustrations, instructions and principles contained in the material are general in scope and, to the best of our knowledge, current at the time of publication. [Privacy Policy](https://www.charlesriverinsurance.com/massachusetts-insurance-privacy-policy)