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    Liquor liability insurance is a specialized form of commercial liability coverage. As a commercial liability protection, liquor liability policies will normally help pay legal costs, judgements and settlements associated with covered claims. Policies normally begin helping with these financial costs as soon as a covered claim is filed, and protection usually isn’t dependent upon the final outcome of a lawsuit.
    Businesses that host company parties where alcohol is offered might be held responsible for any alcohol-induced incidents that occur during or shortly after a celebration. Businesses that are in this situation may be able to get a short-term policy that covers just their celebration and therefore, is quite affordable.
    • Falls and is injured
    • Injures someone (or themselves) in a fight
    • Sexually assaults someone

    What is Liquor Liability Insurance?

    Businesses that serve or sell alcohol occasionally are held financially liable for incidents that intoxicated patrons are involved in. Liquor liability insurance helps protect Massachusetts businesses from some of the potential financial risks that come with offering alcohol.

    Liquor liability insurance is a specialized form of commercial liability coverage. As a commercial liability protection, liquor liability policies will normally help pay legal costs, judgements and settlements associated with covered claims. Policies normally begin helping with these financial costs as soon as a covered claim is filed, and protection usually isn’t dependent upon the final outcome of a lawsuit.

    What Massachusetts Businesses Need a Liquor Liability Policy?

    Massachusetts’ Alcoholic Beverages Control Commission generally doesn’t award liquor licenses unless there is liquor liability coverage in place. Thus, most businesses that need liquor licenses have to purchase a policy.

    In some cases, businesses that don’t normally offer alcoholic beverages might still want a policy’s protections. For example, businesses that host company parties where alcohol is offered might be held responsible for any alcohol-induced incidents that occur during or shortly after a celebration. Businesses that are in this situation may be able to get a short-term policy that covers just their celebration and therefore, is quite affordable.

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    • I love Paul Murphy insurance. I have been a customer since 2004 upon first getting my license. I wouldn't dream of working with any other insurance agency. Paul Murphy insurance as far as I'm concerned is part of my family. I do more personal registration and insurance transactions through them per year then any normal sane human being should be a part of. They have known me on a first name basis for quite a while and know exactly what it means when I walk in the door. They have been above & beyond helpful and I've learned so much from them. I'll bet my bottom dollar when they see this review they'll know who this is. Have a wonderful day Paul Murphy crew you'll probably see me in about 2 months.

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    • We had an absolutely fantastic experience with this company. They truly are a one-stop-shop, sorting out every single thing from car and house insurance to even managing the process of getting our plates directly from their office. This is an excellent, all-encompassing business; you simply can't go wrong choosing them. They are our exclusive insurance provider in New England.

      DC, Google Review

    • I've been with Paul T Murphy since 2005. My home, car and business liability insurance has gone through this agency. I've had a series of unfortunate matters over the past 2 years and they've helped me every step of the way. Stephanie is my usual point of contact. She is encouraging, caring and extremely informative. She always gets me the answers I need. Whatever help I need, she is always willing to provide support and instruction. Most importantly, she cares. She often just asks how things are going and provides warm customer service.

      Nika Hollingsworth, Google Review

      Winchester, MA

    • I have been with Paul T. Murphy insurance for years. I have recommended several friends and family members who are very happy with this company. We have our home ins., Liability ins., commercial vehicle coverage and also our personal auto coverage. Just recently my husband was involved in an accident and I was getting no where with the insurance carrier so I called Greg. He did everything he could for us. In the end it worked out due to him and all his hard work. I have also worked with Brian and Du on numerous occasions. They have always worked so hard at getting us the best insurance coverage for a best rate. The customer service there is a 5 star!

      Erin McCabe, Google Review

    • Paul T Murphy Insurance is like having a team of friends in your corner who are always there when you need them. The entire staff is genuinely sincere and incredibly responsive, especially my agent, James. He’s a total pro—always on top of things, super informative, and makes everything easy. Whether it’s a quick question or something more urgent, they’re always ready to help. Can’t recommend this group enough for all your insurance needs!

      Pat McCarthy,Google Review

    • I’ve been a customer of Paul T Murphy Insurance for almost 20 years and have never had to worry about my insurance needs because they always go above and beyond. The staff are incredible and work tirelessly to ensure that they do their very best to support each and every one of their customers. I’ve never encountered a more helpful staff that work around the clock to get the best rates and ensure their customers are happy and taken care of with the best coverage!

      Lindsay Porziella, Google Review

    • James at Paul T. Murphy insurance company was amazing to work with! He helped my husband and me out with our auto and home insurance and was able to save us money for a better policy than our current provider. He was prompt to respond and answered all of our questions! I am so impressed with his knowledge and expertise in the insurance industry! Thank you James

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    • Paul Murphy Insurance is the best. The people I've had the pleasure of dealing with were professional, helpful, friendly, made sure that all my questions were answered, and were able to find the best policies for my needs. Most recently, Stephanie, went above and beyond to take care of my issues. I definitely recommend them.

      Jessie Bowen

    • Paul Murphys is the best of the best! Steph is amazing and so sweet! I got into an accident last year and she was there to help with any questions I had and always called to keep me updated and keep in the loop with everything. She makes sure I get the best deal and on top of it all

      Anna Marguerite

    • I’ve only been working with Paul T. Murphy insurance for a short time and I can say with confidence, I made the right choice by choosing their agency. My agent Mike Kulch has been extremely helpful, informative, and always follows up quickly. Sherri in customer service has also been great to work with. As soon as I answered her questions and sent my documents I had a quote within minutes. Thank you Mike and Sherri for helping me lower my home owners insurance

      Ashlyn Tuffy

    Liquor Liability Insurance in Massachusetts

    Do Nonprofit Organizations Need Liquor Liability Coverage?

    Nonprofit organizations that offer adult beverages at events are often in the same situation as businesses that serve drinks at parties. Should an intoxicated event attendee be involved in an incident, the nonprofit hosting the event might be held responsible. Therefore, organizations that offer adult beverages may want to get liquor liability policies to protect themselves.

    Leaders who are unsure whether their nonprofit should invest in a liquor liability policy should talk with an independent insurance agent who specializes in this coverage. A knowledgeable agent will be able to explain the risks that a nonprofit is exposed to and help explore whether purchasing liquor liability coverage makes sense. If it does, the agent can help get quotes for policies from multiple insurance companies so long as they’re an independent agent.

    Do Bartenders and Servers Need Liquor Liability Coverage?

    Bartenders and others who serve alcoholic beverages are occasionally named in liquor liability suits and may benefit from having liquor liability coverage that protects them personally. In many cases, however, servers don’t have to buy their own policy because they’re personally covered under an employer’s policy. Those who don’t have coverage through an employers policy often do have to purchase one themselves.

    Servers who are unsure whether they have coverage through an employer should ask their supervisor for a copy of the business’ liquor liability coverage. Although perhaps an uncommon request, most businesses will honor this. With a copy in hand, servers can ask an insurance agent who specializes in liquor liability policies what protections the employer’s policy affords them personally. If more coverage is needed, an agent can help get quotes for additional policies.

    Liquor Liability Insurance in Massachusetts

    What Incidents Are Covered by Liquor Liability Policies?

    Liquor liability policies frequently cover a wide range of incidents. Depending on a particular policy’s terms and conditions, it might offer protection if an intoxicated patron does any of the following:

    • Falls and is injured
    • Injures someone (or themselves) in a fight
    • Sexually assaults someone
    • Causes a DUI accident shortly after leaving

    How Can Businesses in Massachusetts Get Liquor Liability Insurance Policies?

    For help selecting a liquor liability insurance policy that will protect your business or organization, contact Paul T. Murphy Insurance. Our independent agents have helped many businesses in Massachusetts get robust and affordable liquor liability coverage, and we’re here to assist you as well.

    Receive a Free Liquor Liability Insurance Quote!
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    Paul Murphy Insurance • 628 Broadway, Rt 99 Malden, MA 02148 • 781.321.9700


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    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.

     

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