The short answer
Every US general liability policy excludes 'furnishing alcohol' — you need liquor liability coverage. Dram shop laws in 30+ states hold servers liable for injuries caused by intoxicated patrons. Typical limits $1M/$2M cost $500–$3,000/year depending on state and sales volume.
Frequently asked
- Does host liquor liability count?
- HO-3 personal liability covers social host in most states, but repeated or commercial-scale events void it.
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