If your business serves or sells alcohol, your general liability policy excludes those claims — so an incident involving an intoxicated customer falls on you. Liquor liability closes that gap. We shop it across carriers for Bay Area businesses. Bilingual agents.
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No broker fees on standard policies · Bilingual · Se habla español
Mon–Fri 10am–6pm · Sat 10am–3pm · Se habla español
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Here is the gap that surprises most owners: a standard general liability policy specifically excludes claims related to alcohol. So if your business serves or sells alcohol and an intoxicated customer later causes an injury or accident, your general liability will not respond — the claim falls on the business. Liquor liability is the coverage built to close that exact gap, and any San Jose business that serves or sells alcohol needs it, whether that is a full bar, a restaurant with beer and wine, or a store selling packaged alcohol. As an independent broker we shop it across carriers and match it to how you serve.
California's rules add weight to this. Liability can attach when alcohol is served to an obviously intoxicated person or to a minor, and the resulting lawsuits can be severe — large enough to threaten a small business's survival. Many commercial leases and most liquor licenses also require proof of liquor liability before you can operate. We make sure the coverage is in place, sized to your service, and documented with the certificate your landlord or the state requires.
Covers injury or damage caused by a customer who was served alcohol at your business.
Whether you pour beer and wine or run a full bar, the alcohol exclusion is the same — and so is the need.
Built for restaurants, bars, taprooms, and nightlife venues across San Jose.
Covers stores and markets selling packaged alcohol to go.
Coverage for caterers and venues serving alcohol at events.
Proof of liquor liability for your lease and liquor license — issued fast.
San Jose's alcohol-serving businesses run the full range — the bars and nightlife of downtown and Santana Row, the restaurants and taprooms across the city, the neighborhood markets and liquor stores, and the caterers and venues that serve at events. Every one of them carries the same alcohol exclusion on their general liability, and every one of them needs liquor liability to match. The right amount and structure depend on how much you serve, what you serve, and the crowd you serve it to.
We help owners get this right rather than discover the gap after an incident. We confirm whether your service triggers the requirement (it does, for any alcohol), check what your lease and liquor license demand, and shop the coverage across carriers so a small beer-and-wine restaurant is not paying like a late-night bar. For the many family-run and bilingual businesses serving alcohol across the Bay Area, we handle all of it in Spanish or English.
Our San Jose office at 25 N. 14th St. on the East Side writes liquor liability for bars, restaurants, taprooms, stores, and caterers across San Jose, Santa Clara, Sunnyvale, Milpitas, and Campbell, and serves Marin businesses through our San Rafael office. We add it to your existing program or build it alongside your general liability, and issue the certificate your liquor license and lease require.
We are open Monday through Friday 10am to 6pm and Saturday 10am to 3pm. Walk in, call, or start online. There are no broker fees on standard policies, we accept ITIN numbers, and we do not ask about immigration status. We work bilingually in English and Spanish, because so many of the businesses serving the Bay Area do business in Spanish.
Walk in or call — we'll shop liquor liability across carriers and issue your certificate fast.