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Liquor Liability Coverage Available in OHIO, KENTUCKY & INDIANA Stoermer Insurance Brokers has been a trusted partner for retail insurance agents across Ohio, Kentucky, and Indiana for over 30 years. As an experienced Excess & Surplus Lines Broker, we specialize in placing Liquor Liability coverage for a wide range of establishments that serve, sell, or distribute alcohol. Whether your client needs monoline Liquor Liability or a full package policy, we offer flexible solutions backed by access to several strong carriers. Ideal Accounts and Appetite We provide Liquor Liability coverage for a broad spectrum of businesses, including: Bars & Taverns Nightclubs Adult Entertainment Venues Restaurants Hotels & Motels Rental Halls & Special Events Golf & Country Clubs Fraternal and Civic Clubs Convenience & Grocery Stores Beverage & Liquor Stores Wineries & Distributors Dance Halls, Theatres, and Pool Halls Caterers and Concessionaires If your client’s business involves alcohol—whether on-premise consumption or off-premise sales—chances are we have a solution that fits. Coverage Highlights and Advantages Our Liquor Liability program is designed to address the unique exposures associated with serving or selling alcohol. Coverage can be written on a monoline basis or bundled with General Liability and Property coverages, depending on the risk and need. Key benefits include: Flexible policy structures: monoline or package Access to multiple carriers for competitive terms Customized underwriting for high-risk establishments Coverage available for special events and temporary venues You might have a bar client in Kentucky hosting live music events or a grocery store in Indiana with a growing wine section—our team can help you find the right coverage quickly and efficiently. Underwriting Notes and Minimum Premiums Minimum premiums vary based on the class of business, state, and coverage structure. We encourage agents to submit complete applications for faster turnaround and more accurate quotes. Our underwriting team is experienced in handling both standard and complex risks, especially for establishments with unique entertainment or extended hours. Territories and Availability Liquor Liability coverage is available through Stoermer Insurance Brokers in the following states: Ohio Kentucky Indiana Some coverages may be written on an admitted basis depending on the carrier and state, while other risks may require non-admitted solutions. Why Work With Stoermer Insurance Brokers? For over three decades, Stoermer has been a go-to market for independent agents seeking Liquor Liability coverage in the Midwest. We understand the regional nuances, maintain strong carrier relationships, and offer responsive service to help you close more business. From nightclubs to wineries and everything in between, our team is ready to help you find the right fit for your insureds. Frequently Asked Questions What types of accounts are a good fit for this program?We target businesses that serve or sell alcohol, including bars, nightclubs, restaurants, liquor stores, hotels, event venues, and more in Ohio, Kentucky, and Indiana. Can I write Liquor Liability as a standalone policy?Yes, we can write Liquor Liability on a monoline basis or as part of a package, depending on the specific risk and carrier appetite. Are special events eligible for Liquor Liability coverage?Yes, we can consider coverage for short-term or one-time special events that involve alcohol service or sales. What is the minimum premium for Liquor Liability coverage?Minimum premiums vary based on the class of business and location. Contact us with specific risk details for more accurate pricing. What states is this program available in?This Liquor Liability program is currently available in Ohio, Kentucky, and Indiana. Need help placing an account? Connect with a market specialist.