Liquor Liability Insurance in PA and MD
Protecting your business from the real financial risk of serving alcohol to the public
Owning a business that serves, sells, or manufactures alcohol — whether at a permanent location or a special event — always carries an added layer of risk. If a patron becomes intoxicated and causes injury to themselves, another person, or property, your business can be held financially and legally responsible under Pennsylvania and Maryland's dram shop laws. As an independent agency based in Lebanon, PA, we help business owners across PA and MD find liquor liability coverage that fits how their establishment actually operates — focusing on you, not a one-size-fits-all policy.
Coverage Options
- Dram Shop Liability: Coverage for harm caused by a visibly intoxicated patron to themselves, another person, or property, as defined under state dram shop laws.
- Liquor Legal Liability: Covers bodily injury or property damage claims tied to your role in a person's intoxication.
- Host Liquor Liability: Covers special events where your business serves alcohol to employees, prospects, or customers outside normal operations.
- Assault & Battery Coverage: Helps cover claims arising from altercations involving intoxicated patrons, including incidents during removal from the premises.
Not every business needs every coverage — that's what a real conversation is for.
Frequently Asked Questions
Am I legally responsible if a customer becomes intoxicated at my business?
Under Pennsylvania and Maryland dram shop laws, yes — businesses that serve alcohol can be held financially responsible when a visibly intoxicated patron causes harm to themselves, another person, or property, including situations like a drunk-driving accident after leaving your establishment.
What kind of incidents does liquor liability insurance help cover?
Liquor liability insurance can help cover legal costs, court fees, and damages resulting from alcohol-related injuries or property damage — including altercations between patrons and even claims that arise simply from escorting an unruly guest off the premises.
Do I need liquor liability insurance for a one-time event?
Yes. If your business serves alcohol at a catered event, private party, or other special occasion outside your normal operations, a Host Liquor Liability policy can extend the same protection to that event.
How does Kelly Glass make liquor liability coverage manageable for my business?
We work with bars, restaurants, breweries, and event-based businesses across Pennsylvania and Maryland to build coverage that fits how you operate — including monthly payment options, coverage for temporary staff, and responsive claims support from agents who know the local alcohol-service risk landscape.
Ready to Get the Right Coverage?
We aren't just a voice on the phone; we're your neighbors on East Cumberland Street in Lebanon, PA.
- "Focusing on You" Reviews: You're a business owner, not a policy number. We work with you to review your coverage periodically and identify any gaps before they become claims.
- Claims Advocacy: When the unexpected happens, we're in your corner. Access our 24/7 Carriers Directory. For additional claims process questions, call us at (717) 272-2242 to talk to an associate.
- Local Knowledge, Regional Reach: Based in Lebanon and serving all of Pennsylvania and Maryland, we know the carriers who genuinely specialize in liquor liability coverage — not just the ones with the biggest ad budget.
Ready to Get the Right Coverage?
Tell us about your business and we'll do the shopping for you — comparing top carriers across Pennsylvania and Maryland to find the right fit.
- Speak with an associate by calling (717) 272-2242.
- Text message us at (717) 455-3242.
- Get a free insurance review and quote by completing this information request.