In the years in which I had purchased general and professional errors and omissions liability insurance through KHT Insurance, I received nothing less than 1st class service from their organization.
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Liquor Liability
Coverage for businesses that serve or sell alcohol
If your business serves, sells, or furnishes alcohol, you can be held liable for harm caused by an intoxicated patron. General liability usually excludes it. Liquor liability covers the defense and damages — and it's often required by law or your lease.
WHAT LIQUOR LIABILITY COVERS
Serving alcohol creates a liability of its own.
Liquor liability insurance protects businesses that serve, sell, or furnish alcohol against claims arising from the actions of an intoxicated patron. Under "dram shop" laws in many states, a business can be held legally responsible when a customer it served causes injury or damage to others — a bar patron who later causes a car accident being the classic example. This is a distinct exposure that a standard general liability policy commonly excludes.
The stakes are significant because these claims often involve serious injury, and the liability can attach to the establishment even when the harm happens elsewhere and later. For any business where alcohol is part of the operation, the question isn't whether the exposure exists — it's whether it's actually covered, and standard policies frequently leave it out.
Requirements and exposure vary by state and by how alcohol fits your business — a restaurant, a bar, a package store, and a venue that hosts events each face different risks and rules. Many leases and licenses also mandate the coverage. Matching your specific operation to a carrier that understands liquor exposure is where an independent broker keeps you compliant and protected.
Dram shop liability
Claims when an intoxicated patron you served causes injury or damage.
Legal defense
Defense costs for liquor-related claims, which standard policies often exclude.
License & lease compliance
Meets coverage requirements imposed by licenses, venues, and leases.
WHO IT's FOR
Businesses where alcohol is served or sold.
If alcohol is part of your operation in any form, you likely have liquor liability exposure — and standard general liability usually won't respond to it.
● Bars & Taverns
● Package & Liquor Stores
● Event & Banquet Venues
● Breweries, Wineries, & Distilleries
● Caterers & Mobile Bar Services
Why place it through KHT
Specific things we do that most agencies don't.
Early renewal quotes
We quote your renewal well ahead of expiration — giving you time to review and compare, not a take-it-or-leave-it the day before.
Multiple insurance companies, lowest qualified quote
We shop across markets and recommend the best-fit, best-priced option.
Owners on your account
An established, owner-led team. When you call, you speak directly with the people responsible for protecting your business.
Getting a Quote
Straightforward from here.
1
Tell us about your business
Start a quote request or call. We’ll confirm exactly what your business needs.
2
We shop your coverage
We quote it with multiple insurance companies and compare the options side by side.
3
We recommend the best option
You get our recommendation with the lowest possible price, explained in plain terms.
Insurance you don't have to think about.
Very responsive agency. They have great staff and are willing to help find the best policy out there for home, auto, commercial, flood - anything you need. We've worked with them for years and can't say anything negative about their service.
Turning Point Counseling
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Stan Mullin
Price is right, efficient and good to deal with.
Michael Robinson
Excellent customer service and knowledgeable agents.
Dianne Young
Great and timely service from the KHT team.
Ben Ginnetti
Been with KHT since 1998 for my insurance. Absolutely the best!
Tommy Anderson
KHT provides wonderful service! I highly recommend them for your insurance needs.
Carmen Nelon
common questions
The questions we hear the most
Usually not. Most general liability policies contain a liquor liability exclusion for businesses in the business of serving or selling alcohol. Liquor liability is the separate coverage that responds to those claims.
Dram shop laws hold establishments legally responsible when they serve alcohol to someone who then causes harm to others. They vary by state, and they're the reason liquor liability exposure can attach to your business even when the incident happens off-premises.
Often yes. Even businesses where alcohol is incidental — a venue, a caterer, a shop — can face liquor liability claims. If you serve or furnish alcohol, the exposure applies. We'll confirm what your situation and state require.
By your type of establishment, alcohol sales, location, and state dram-shop environment. Start a quote or call and we'll shop it with insurance companies who understand the exposure.
Get your liquor liability quote.
Tell us about your business and we'll shop it — or call and talk it through with the people who'll actually handle your account.
Fort Worth, TX
817-336-2721 · 800-814-6470
info@khtinsurance.com
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