Liquor liability insurance provides coverage for bodily injury or property damage for which an insured may be held liable by reason of the following:
- Causing or contributing to the intoxication of any person
- Furnishing alcoholic beverages to a person under the legal drinking age or under the influence of alcohol
- Violating any statute, ordinance, or regulation relating to the sale, gift, distribution, or use of alcoholic beverages This coverage only applies if the insured is involved in the following activities:
- Manufacturing, selling, or distributing alcoholic beverages
- Serving or furnishing alcoholic beverages for a charge, whether or not such activity requires a license or is for the purpose of financial gain or livelihood
- Serving or furnishing alcoholic beverages without a charge, if a license is required for such activity