I plan to start my own business catering to private functions. (weddings, parties, etc.) Do I need liquor liability insurance? If so, how do I get it and does anyone know how much it usually costs?

If you are selling or serving liquor, you most likely will need liquor liability coverage. It STARTS at $2500.

You'd buy it from the same agent that's selling you your general liability coverage, which you will also need. Sometimes, you can lump both coverages under one policy.

If your business manufactures, sells, serves, or facilitates the uses or purchase of alcohol, then your business may need this coverage.

Liquor liability coverage may be sold as an add-on to a commercial liability policy or as a separate liability policy. But, if you do not purchase this extra coverage your standard liability policy DOES NOT protect your business against these kinds of claims.

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Contact a local agent that handles Commercial Lines of insurance. You need liability coverage if you are a caterer.