Do Massachusetts restaurants need liquor liability insurance? 

Yes. Massachusetts law requires liquor liability insurance before an on premises alcohol license can be issued or renewed. Minimum limits are $250,000 per person and $500,000 per accident. Restaurants, bars, hotels, and licensed caterers all fall under the requirement, and proof goes to the local licensing authority. 

By Heather

Heather focuses on small business insurance at Gild Insurance Agency, writing clear, practical guidance that helps business owners understand coverage, manage risk, and protect their businesses.