Liquor Liability Insurance Cost


Minnesota liquor liability insurance cost. Liquor liability coverage premiums start at $350 to $550 per year when bundled with general liability and perhaps property coverage for a bar or restaurant.

Request for a free liquor liability insurance quoteIf purchased by itself, policies start at $1,100 to $1,300 per year. It is rated based on sales, and having a full liquor license versus a beer and wine license can make a difference.

Liquor liability insurance costs can vary from company to company, and the higher your liquor sales, the more you can expect to pay. Insurance companies are more willing to insure you if liquor sales are 25-35% of your gross receipts.

We happen to write with numerous liquor liability insurance carriers. Our local agency has preferred insurance carriers that will write up to 100% in liquor sales.

Don’t wait any longer. Start saving today by completing our online form or calling 952-469-0425


Minnesota liquor liability insurance covers bodily injury and property damage. But it explicitly covers damage or injury caused by an intoxicated person who the Minnesota policyholder served.  It’s also referred to as dram shop liability or social host liability,

All establishments serving, selling, manufacturing, and distributing liquor must have liquor liability insurance in Minnesota.

General liability insurance explicitly excludes this coverage if you are in a business that makes, serves, or distributes alcohol.

Minnesota Liquor Liability Insurance

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Minnesota Liquor liability insurance cost is dependent on numerous things:

  • The gross liquor sales of the establishment.
  • The percentage of liquor to food sales.
  • The limits of insurance you are selecting.
  • Are there prior claims?
  • Does the business have a full license or beer and wine?
  • Are there events, bands, concerts, live music, karaoke, mechanical bull, or a dance floor?
  • Is there training for staff, including alcohol awareness classes?
  • What is the experience of management?
  • What are the average patrons’ age and the proximity to a college?
  • Are loss control procedures in place? Formal loss control…
  • Is security done by a third party with separate limits of insurance or by your business employees?
  • Are controls in place for minors?
  • Do you use security cameras?
  • Are procedures in place for dealing with intoxicated patrons?
  • Is a record kept of issues involving intoxicated patrons?  i.e., Naughty Book
  • Some companies limited eligibility for businesses with buildings over 35 years old.

The best way to get an idea of what it will cost you is to secure a quote. We can help you customize a quote specific to your exact needs


Look at some of the Minnesota businesses that need liquor liability!

  • Bars / Lounge
  • Bowling Alley
  • Catering
  • Cheap Vendor Food
  • Cidery
  • Convenience Store
  • Craft Brewing
  • Fraternal Organizations
  • Gentlemen’s Club / Strip Bar
  • Grocery Store
  • Hotel
  • Liquor Store
  • Micro-Brewery
  • Restaurant
  • Sports Facility
  • Tap Room
  • Wholesalers and Distributors
  • Winery and Vineyards


Let us help you answer the questions you may have. Most people know little about Minnesota liquor liability insurance and need some guidance and help.  That’s where we come in. We will help you design the right policy for you and your business through experience, state-of-the-art technology, and contracts with multiple carriers. We help businesses across Minnesota find affordable insurance. Experience tells us that businesses in smaller Minnesota towns have few options. Sometimes agents don’t call you back or perform promptly as they are not familiar or would rather work on simpler things.  That is not the case here.  We love small-town businesses and building that relationship.

Having an experienced liquor liability insurance agent on your side can make a world of difference. Our agents listen to your needs and find the right policy for you and your Minnesota business. We have a checklist of coverage that we want you to look at.  It’s vital to know your options, so you can make quality informed decisions.

Count on us to deliver the best insurance program to fit your needs and budget. Low-cost Minnesota liquor liability insurance is just a call or click away!

Are we located in Minnesota?  YES!!!  Our Minnesota insurance agency is based in Lakeville, MN.  We are just 20 minutes south of the Mall of America.

Do you need more coverage? Some of the other types of business insurance we offer are general liability insurance, commercial auto insurance, workers compensation insurance, contractor insurance, restaurant insurance, business owners policy, tow truck insurance, and bonds. We also offer personal insurance, car insurance, homeowners insurance, boat insurance, motorcycle insurance, life insurance.


Most policies can be quoted within 24 – 48 hours.  Provide your information once; we do the rest. Working with dram shop insurance every day helps us know the market. The cost, coverage, service, claims are all important. We are your liquor liability, insurance experts!

1. Request your quote! Don’t wait any longer.

We get excited about new quote requests. Just complete our quick quote form or give us a call at 952-469-0425.  Representing multiple liquor liability carriers gives us the edge and offers you a choice—a choice in carriers, options, and the right price.  We will take the guesswork out of finding and buying your Minnesota dram shop insurance.

Complete our “Quick Quote” form, and one of our liquor agents will be contact you asap. Our quotes are done individually and customized to your exact needs. Instant quotes don’t work for this type of insurance.  Let our agents help you now.

2. Get Insured!

Give us the green light and say “Yes”!  We will create the papers for you to sign, including a checklist to make sure you know all your options.  You’re welcome to stop by the office and sign or do it by US mail, but in most cases, that is done electronically. That means no papers to print, fax, or scan or put in the mail. It’s sent to us immediately by email after you hit submit.

Call us old-fashioned, sometimes, but we like to handle the down payment by phone.

3. You are done!

Securing liquor coverage can be a step that is holding up your liquor license. Once you sign and pay, we work immediately on your proof or certificate of insurance. It’s emailed to you or directly to the city, copying you.


At Insuring Minnesota, our #1 goal is your complete satisfaction. You must know and understand what you are buying. Equally important is what you are not buying. It would be best if you were comfortable with each & every step in the process. Let us answer your questions upfront.  There are no hidden surprises when you buy from us.

Having years of experience with various liquor risks allows us to identify things that your normal agent may not find. Whether you have 10% liquor sales or 99%, we have the liquor insurance market that’s right for you.

You won’t be disappointed. We help hundreds of bars, restaurants, and businesses throughout Minnesota. Are you ready to do business?

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