If you own or operate a business in Tempe , Phoenix , Scottsdale , Tucson , Gilbert , or Chandler that serves alcohol — even occasionally — you need to seriously consider Liquor Liability Insurance. Whether you run a bar, restaurant, event venue, or cater private functions, one alcohol-related incident could expose your business to devastating financial loss.

At Riseson Insurance , we help Arizona businesses stay protected, compliant, and confidently covered.

Liquor Liability Insurance helps protect your business if you’re held legally responsible for injuries or damages caused by someone who drank alcohol you served.

Bodily injury (e.g., if an intoxicated guest starts a fight or causes a car accident ) Property damage (e.g., broken furniture or vandalism ) Legal defense costs and settlements Third-party claims (such as someone injured by an intoxicated customer)

Note: Most standard General Liability policies exclude liquor-related incidents, so you need a separate liquor liability policy or endorsement.

You may need liquor liability insurance if you:

Own a bar, brewery, or pub Run a restaurant that serves wine, beer, or spirits Host catered weddings, fundraisers, or parties with alcohol Operate an event venue Sell alcohol for off-site consumption Host pop-up or seasonal events with liquor licenses

Even if your business only occasionally serves alcohol, you're still exposed to risk under Arizona law.

Arizona is a “dram shop liability” state, meaning businesses can be held responsible if they serve someone who is obviously intoxicated and that person causes harm. You may also be liable for serving minors, even unknowingly. Claims can exceed hundreds of thousands of dollars in settlements and legal fees.

Reach out to Riseson Insurance in Tempe at 602-460-5470 to get a custom liquor liability quote. Don't let one pour turn into a major liability. Let's raise your protection — not your risk.

What Is Liquor Liability Insurance?

It covers:

Who Needs It?

Arizona Liquor Law Quick Facts:

Let’s Review Your Policy Today

• Bodily injury (e.g., if an intoxicated guest starts a fight or causes a car accident )
• Property damage (e.g., broken furniture or vandalism )
• Legal defense costs and settlements
• Third-party claims (such as someone injured by an intoxicated customer)

• Own a bar, brewery, or pub
• Run a restaurant that serves wine, beer, or spirits
• Host catered weddings, fundraisers, or parties with alcohol
• Operate an event venue
• Sell alcohol for off-site consumption
• Host pop-up or seasonal events with liquor licenses

• Arizona is a “dram shop liability” state, meaning businesses can be held responsible if they serve someone who is obviously intoxicated and that person causes harm.
• You may also be liable for serving minors, even unknowingly.
• Claims can exceed hundreds of thousands of dollars in settlements and legal fees.