Liquor Liability Insurance in South Carolina
If your business serves, sells, or distributes alcohol, you're exposed to liability risks that go beyond general insurance coverage. From injuries caused by intoxicated patrons to property damage or altercations, a single incident can result in significant financial and legal consequences. Liquor liability insurance helps protect your business if it's held responsible for alcohol-related claims.
Hutson-Etherredge Companies offers liquor liability coverage to South Carolina restaurants, bars, event venues, caterers, and special event hosts who need liability coverage tied to alcohol service.
What Does This Insurance Cover?
Third-party bodily injury
Covers medical costs and legal claims if someone is injured as a result of alcohol served or sold by your business.
Property damage
Pays for damage caused by an intoxicated customer, including damage to vehicles, buildings, or other physical property.
Assault and battery
Provides protection if a patron becomes violent and your business is held partially responsible due to alcohol service.
Legal defense
Covers attorney fees, court costs, and settlements related to covered claims.
Special event coverage
Extends protection to one-time events where alcohol is served, such as weddings or fundraisers.
Why You Need It
General liability policies exclude alcohol-related claims
Liquor liability fills a major coverage gap, especially for businesses or events involving alcohol service.
Required by law or contract
Many states, venues, and event hosts require liquor liability insurance as a condition for operation or rental.
Helps protect your business from financial loss
Alcohol-related claims can result in lawsuits with high settlement costs, even when your business is only indirectly involved.
Frequently Asked Questions
Is liquor liability insurance required in South Carolina?
It depends on your license and location, but most establishments are required to carry this coverage by state law, local ordinance, or contract.
Does this policy cover underage drinking?
Claims related to serving minors may be excluded or limited. It's important to review terms and comply with all age-verification laws.
Do I need liquor liability insurance for a one-time event?
Yes. If alcohol is served, even at a private or nonprofit event, you may need coverage to protect yourself and meet venue requirements.
Get a Quote for Liquor Liability Insurance
If your business or event involves alcohol, make sure you're protected from the risks that come with it. Hutson-Etherredge Companies can help you arrange coverage that supports safe, responsible service.
Call us at
803-649-5141
or request a free quote online.