Dram Shop Insurance
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- A+ Rated Policy
- Instant Coverage
- Protection Against Costly Claims
- Purchase 100% Online
What is Dram Shop Insurance?
Dram shop insurance is a host of coverages –general liability, liquor liability, products-completed operations, and more– designed to offer a safety net of protection. This insurance can mitigate, or in some cases, eliminate the out-of-pocket cost of liquor-related claims.
Dram shop insurance is also referred to as liquor liability insurance. Dram shop insurance can provide coverage to various businesses including, bartenders, caterers, food vendors, private chefs, and more.
How Much Does Dram Shop Insurance Cost?
Dram shop insurance starts at $35.42 per month for an annual policy. If you need dram shop insurance for a special event, you can get a 1–3 day policy starting at $275.
Your final price depends on several factors:
- Where you operate
- How much coverage you need
- Optional add-ons
- Claim history
- Gross business income
Who Needs Dram Shop Insurance Coverage?
Any business that sells, serves, or manufactures alcoholic beverages needs to carry dram insurance. This includes:
- Bartenders
- Wedding vendors
- Event vendors
- Food vendors
- Private chefs
Depending on where you operate, your state may require you to have insurance before you can get permits or licenses. Additionally, most venues require vendors to provide a Certificate of Insurance (COI) as part of their contractual agreement.
Get the Best Dram Shop Liability Insurance from Insurance Canopy
Our A+ rated policy protects you from the most common claims alcohol-serving businesses face, including third-party bodily injury and property damage. This comprehensive coverage ensures you stay compliant with your local dram shop laws.
You can opt for annual or event liquor liability coverage and customize your policy to meet your unique business needs. Some options include:
- Tools and Equipment (Inland Marine): Pays to repair or replace damaged or stolen business gear.
- Assault and Battery: Extends coverage to damages resulting from a physical altercation between intoxicated customers.
- Cyber Liability: Helps cover losses caused by cybercrimes, such as data breaches and ransomware.
Once you enroll, you can access your policy 24/7 via the online user dashboard. View your Certificate of Insurance (COI), make changes to your account, and file a claim, all at your convenience.
Coverage Details
General + Host Liquor Aggregate Limit
The most your policy will pay for bodily injury and property damage claims that you become legally obligated to pay.
$2,000,000
Products & Completed Operations Aggregate
The maximum amount your policy will pay for bodily injury and property damage claims that result from the products you use to perform your services. However, it does not cover your products that are sold or distributed.
$1,000,000
Personal & Advertising Injury
The amount that your policy will pay for claims arising out of one or more of the following offenses:
- False arrest, detention, or imprisonment
- Malicious prosecution
- Wrongful eviction or wrongful entry
- Oral or written publications that slander or libels a person or organization
- Oral or written publication or material that violates a person’s right of privacy
- The use of another’s advertising idea in your advertisement
$1,000,000
Each Occurrence Limit
The maximum the insurance carrier will pay for a bodily injury or property damage claim that you become legally obligated to pay.
$1,000,000
Damage to Premises Rented to You
Applies to damage by fire to premises rented to the insured and to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.
$100,000
Medical Expense Limit (Any One Person)
Reimburses others, without regard to the insured’s liability, for medical or funeral expenses incurred by such persons as a result of bodily injury (BI) or death sustained by accident under the conditions specified in the policy.
$5,000
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They provided clarity on the importance of insurance for a first time business owner in the cleaning space and provided clear insight next steps and options for coverage.
Evergreen Multiservices
February 2, 2026 -
Extremely user friendly website, super affordable and very little time needed to apply.
Carl Sari
January 31, 2026 -
Excellent company, Great service, the best!!!
Claudina Adams
January 15, 2026 -
Super affordable insurance for a small business like myself super happy to be able to provide this to my customers really helps of landing more gigs
Alex
January 5, 2026 -
Really went the extra mile to find the appropriate coverage for my business.
Daisy B
January 2, 2026 -
Canopy provided escatly what I neede to book the gig, and at a very affordable price.. Thank You!
Andy Anderson
December 22, 2025 -
Easy. Convenient. Trustworthy. Came thru in a moments notice
Eddie K
December 19, 2025 -
Affordable liability insurance for DJ's. Easy to set up and understand. I've been with them for several years and am happy with their service.
Peter Flessas
December 14, 2025 -
So easy to sign up. I hope I never have to use the insurance portion but most hotels require it for corporate gigs
Yuri Gonzalez
December 11, 2025 -
This company is great. They are very helpful and they have great prices for insurance options that cover what you need!
Jacob Serrano
December 6, 2025
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They provided clarity on the importance of insurance for a first time business owner in the cleaning space and provided clear insight next steps and options for coverage.
Evergreen Multiservices
February 2, 2026Extremely user friendly website, super affordable and very little time needed to apply.
Carl Sari
January 31, 2026Excellent company, Great service, the best!!!
Claudina Adams
January 15, 2026 -
Super affordable insurance for a small business like myself super happy to be able to provide this to my customers really helps of landing more gigs
Alex
January 5, 2026Really went the extra mile to find the appropriate coverage for my business.
Daisy B
January 2, 2026Canopy provided escatly what I neede to book the gig, and at a very affordable price.. Thank You!
Andy Anderson
December 22, 2025 -
Easy. Convenient. Trustworthy. Came thru in a moments notice
Eddie K
December 19, 2025Affordable liability insurance for DJ's. Easy to set up and understand. I've been with them for several years and am happy with their service.
Peter Flessas
December 14, 2025So easy to sign up. I hope I never have to use the insurance portion but most hotels require it for corporate gigs
Yuri Gonzalez
December 11, 2025 -
This company is great. They are very helpful and they have great prices for insurance options that cover what you need!
Jacob Serrano
December 6, 2025Great experience, quick and easy to understand with what I needed for my business. Highly recommend!
FrankLynn Rae
October 28, 2025Very helpful customer service! Prompt, punctual, effective! No bots or long waits to get assistance.
Maria Ciccone
October 19, 2025 -
Canopy insurance has made affordable, band insurance needed for major venues. Thank you for your fast and easy service Stan Zizka's Del Satins
stan zizka
October 5, 2025Getting a vendor policy was quick and fairly priced compared to other quotes.
Kristine Fullerton
October 3, 2025Thank you so much
Steve Monreal
July 11, 2025 -
I needed a portable policy as a yoga instructor. I found this company in an online search. Called and got details from them, was quite surprised at how affordable... Read More it would be. Then when I was ready to make my purchase, I called again. Was explained to me that everything was done online, I told the lady on the phone I didn't want to make this kind of purchase online with no guidance. She was so helpful and kind and patient! Walked me thru every page of the form and honestly didn't take long at all. Hope I never need to use the policy but nice to know I have it.
Jamie Calaway
July 4, 2025Very easy & quick experience. We got insurance in no time with no hassle. Thank you!
Robert Earnest
July 4, 2025I am glad I went with them. I needed a last minute policy to cover an event I was doing and they had exactly what I needed at a... Read More reasonable price. I definitely would use them in the future,
Deloris Pacheco
June 27, 2025 -
Very easy to renew policy
Elyce Nissinoff
June 18, 2025Representative Sarah was very helpful. Walked me through every step and not to mention the price even matched the service! Would recommend to any and everyone.
queenkiam
June 18, 2025Would have 5 starts, but not right now. This is the first time I have ever had to pay for an additional insured ever in 20 year's. They either have... Read More a way to input the information or you can call or email to request it.
Anthony Burgess
June 18, 2025 -
Very user friendly platform. Multiple options. Very good pricing. Needed liability insurance in order to secure a very good paying event for my solo tribute show. Was set up within... Read More 15 minutes and had the signed contract in my possession 30 minutes later.
Michael Riley
June 18, 2025Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend
Jay Solis
June 18, 2025What a lovely experience I had with Insurance Canopy! Easy and fast sign up, great policy, matches my needs as a self-employed business owner. Highly recommend!
Masha Rusanov
June 18, 2025 -
great little company, with fair pricing, for entertainers who need occasional coverage. however, they have long hold times to speak to an agent, and their customer service left a little something... Read More to be desired. 🤷🏻♀️ overall, would recommend! 🙂
Gretje Angell
June 18, 2025Provides event insurance at a very reasonable price compared to other companies. Easy to purchase and provide proof of insurance.
David Fox
May 18, 2025They can help.you with the right Insurance you need, and the lowest price
Alvaro Baltazar
May 18, 2025 -
everything is excellent
Radames Martinez
May 18, 2025Extremely affordable event insurance and an easy to work with system and team that will advise you every step of the way!
Ishan Arvin
May 18, 2025Affordable for dance & yoga folk. Thumbs up!
Maia Claire
May 18, 2025
Insurance Canopy offers the essential coverage your alcohol-serving business needs to operate safely. We’re here to support you with A+ rated dram shop insurance you can trust.
Get Peace of Mind With Affordable Dram Shop Insurance
Fast and Secure
Buy dram shop insurance online in 10 minutes or less. Download your certificate at checkout.
Unique Insurance Coverage
Our base policy includes a $2 million general liability aggregate limit.
Stand Out
30% of our insureds have reported that having insurance has helped them get clients.
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This Text Element has a special list class for branded bulleturn to get that spacing in
- Apply online in 10 minutes or less
- Get immediate, same-day coverage
- Get instant access to your policy
- Receive A+ rated coverage
- Access your online dashboard 24/7 to make changes to your policy, download your certificate of insurance, or add additional insureds
Questions About Dram Shop Insurance Coverage
What Is Dram Shop Law?
Dram shop law is a statute that holds alcohol-serving businesses responsible for any accidents caused by an intoxicated customer. Most states hold bartenders and servers responsible if they overserve or provide alcohol to an underage patron who goes on to cause injuries or damage.
You could be responsible for major expenses like court costs, medical bills, and repair fees that add up to thousands of dollars. However, dram shop insurance can help absorb some or all of those costs.
Which States Have Dram Shop Laws?
42 states and the District of Columbia have dram shop liability laws. The eight states that do not have dram shop laws include:
- Delaware
- Kansas
- Louisiana
- Maryland
- Nebraska
- Nevada
- South Dakota
- Virginia
What Claims Does Dram Insurance Cover?
Dram insurance covers common claims that alcohol-related businesses face, including third-party bodily injury, property damage, and liquor liability claims. Here are some examples:
- A customer slips and falls on a spilled drink near the bar, fracturing their ankle.
- After having several drinks, an intoxicated patron gets behind the wheel and backs into the venue, damaging the brick veneer.
- Two drunk guests get into an argument and break a glass table at a wedding reception.
How Do I Get Dram Shop Insurance?
You can get dram shop insurance for special events and year-round coverage in just three simple steps:
- Create or sign into your Insurance Canopy account
- Fill out a quote application
- Enjoy the safety and security that dram shop coverage provides!
Still have questions regarding our policies? Feel free to reach out to our licensed insurance agents. We are available Monday through Friday from 8am–8pm ET.
Pouring drinks at an event feels like the least of your worries, until
“I can’t really be involved in a lawsuit over the actions of someone
Your mobile bartending career is built on skill, flair, and good taste —