Do Cafes Need Liquor Liability Insurance? 

If you serve alcohol, then yes, this coverage is essential: 

  • Protects against dram shop claims when alcohol served leads to injury or damage. 
  • Required by state liquor licensing boards and landlords. 
  • Covers legal fees, settlements, and third-party medical costs from alcohol-related incidents. 

Gild makes adding liquor liability hassle-free—keeping your cafe compliant and confident. 

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.