Liquor Liability Insurance in Minnesota
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Selling liquor is a profitable business—but it also carries unique risks. If you sell to a customer who later causes an injury or property damage, your business could get drawn into a costly dram shop suit. Elevated Risk Solutions provides low-cost liquor liability insurance in Minnesota with the most competitive dram shop insurance quotes and policy conditions available to bars, brewpubs, restaurants, clubs, taprooms, event venues, and caterers.
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What is liquor liability insurance?
Liquor liability insurance (AKA dram shop insurance) protects your company from lawsuits for selling or serving an alcohol patron who later inflicted bodily harm, property damage, or other insured loss. It covers the cost of defense against lawsuits, settlements, and judgments—and it is a valuable safeguard for any business that manufactures, sells, serves, or distributes alcohol.
Is liquor liability insurance required in Minnesota?
For most retail liquor licenses, Minnesota law requires evidence of financial responsibility, as is required by the state dram shop liability statute. You can meet this requirement with an insurance policy, bond, or cash/securities deposit as provided by law. Minimums are $50,000 per person/$100,000 per accident bodily injury, $10,000 property damage, special loss of support, and other pecuniary loss; an annual aggregate of at least $310,000 can be included. Municipalities may demand greater limits. Certain small 3.2-malt-license cases are exempt by affidavit. MN Revisor’s Office
Bottom line: if you’re selling liquor, you are likely required to obtain or renew your liquor liability insurance to obtain or renew your license.
Why do you require liquor liability insurance?
Even the most responsible employees face demanding situations: overservice claims, fights, stumbles, or inebriated driving accidents. One claim can ruin your reputation, finances, and license. Minnesota liquor liability insurance provides you with an economic shield, allowing you to maintain a stable business and keep serving customers.
Today’s savings: Enormous Savings. Ask about Package Discounts! When you combine liquor liability with general liability, property, workers’ comp, and cyber liability.
What’s covered?
- The bodily injury and property damage that is caused by the serving or sale of alcohol.
- Defense expenses against lawsuits, generally in excess of the coverage limits on most policies
- Host liquor liability options for businesses selling alcohol only occasionally (e.g., special events and such)
- Contract-preferred endorsements available (additional insured, waiver of subrogation, primary/non-contributory)
We’ll tailor your policy to your seating, hours, alcohol mix, training practices, incident logs, and security procedures—key rating factors that help us compare liquor liability insurance rates and cut your premium.
The Elevated Difference
- We shop multiple A-rated carriers to deliver the best liquor liability insurance program at the lowest prices in town.
- Several low-cost pay plans with low down payments to protect your cash flow.
- Fast certificates for licensing and vendor contracts.
- Proactive risk tips: server training, ID checks, incident reporting, transportation partnerships, and cutoff protocols.
Get an online liquor liability insurance quote.
Prefer digital? Start an online liquor liability insurance quote in minutes. Want a human? Call 952-469-0401. Either way, you’ll get Fast Free Quotes, clear options, and friendly guidance from commercial insurance experts.
Elevated Risk Solutions has the best deal on liquor liability insurance in Minnesota.
Don’t delay—get a quote today!
Frequently Asked Questions (FAQs)
1) What are the available limits on coverage for liquor liability insurance policies?
Standard options are $1,000,000 each occurrence and $2,000,000 aggregate, with optional increases under an umbrella policy. Minnesota law requires a minimum of license qualification limits (e.g., $50k/$100k BI, $10k PD, specified loss-of-support/pecuniary amounts) and allows for a minimum annual aggregate of at least $310,000; a city might require higher. We can help you select limits that comply with licensing and contract mandates. MN Revisor’s Office
2) Is Minnesota liquor liability insurance required?
Yes, for most retail liquor licensees, proof of financial responsibility must be furnished to issue, maintain, or renew a license, and insurance is the most common means. Some small 3.2-malt cases may be eligible for an affidavit exemption. Always check your city’s requirements, as many have a higher threshold. MN Revisor’s Office+1
3) What does liquor liability insurance cost?
Pricing depends on your business: percentage of alcohol sales, hours, entertainment, bouncer/security policies, server training, claims experience, and limits/deductibles chosen. We will compare rates among carriers and take all available discounts to offer competitive liquor liability insurance.
4) Do you offer low-cost pay plans with low down payments?
Yes. We offer cost-saving billing with low down payments and monthly payment options—so you can keep your business insured and have healthy cash flow.
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Liquor Liability Insurance Minnesota • Business Liquor Liability Insurance • Best Dram Shop Insurance Quotes
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