Bars, restaurants, package & liquor stores, wholesalers, distributors, breweries, wineries and distilleries. Whatever bond your state's alcohol board requires, we write it fast — and we set you up with the liquor liability coverage your general-liability policy leaves out.
A liquor bond — also called a liquor license bond, alcohol beverage bond, or liquor tax bond — is a surety bond many states require before they'll issue or renew certain alcohol licenses. It guarantees that you'll pay your alcohol excise taxes and follow your state's ABC (Alcoholic Beverage Control) laws. If you don't, the state can make a claim against the bond.
The bond is one requirement of holding your license — it isn't the license itself, and it isn't insurance that protects your business (that's liquor liability, below). Whether you need one, and for how much, depends on your state and your exact license type. Tell us both and we'll confirm your requirement and quote it — often the same day.
Bond requirements are driven by what you do with alcohol. The most commonly bonded roles:
On- and off-premise retailers. Some states require a license or tax bond for certain retail classes; many don't — but nearly all require liquor liability. We confirm your state's rule.
The most commonly bonded role. States typically require an alcohol excise-tax bond guaranteeing the taxes you collect and remit. Amounts scale with volume.
Manufacturers often post a state bond (and historically a federal TTB bond, now waived for most small producers). Craft producers — we handle the state side.
Bringing alcohol into a state usually triggers an excise-tax bond with the state revenue department or ABC board.
Bond amounts vary widely by state, license type, and sometimes sales volume — commonly $1,000 to $100,000+. You pay a small percentage of that as your premium.
Most states hold an alcohol seller liable when an intoxicated patron later causes an accident or injury (“dram-shop” liability). Your standard general-liability policy specifically excludes liquor-related claims — so a single incident can hit you with no coverage.
When we write your bond, we also line up liquor liability, property/BOP, and workers' comp — one agency, one point of contact, fully covered. The bond gets your license; the insurance protects your business.
Get Bond + Liquor Liability →It depends on your state and license type. Many states require a bond for wholesalers, distributors, importers and manufacturers (an excise-tax bond), and some require one for certain retail licenses; others require none for basic retail. Tell us your state and license and we'll confirm the exact requirement.
The bond amount is set by your state and license (often $1,000–$100,000+). Your premium is a small percentage of that amount — typically around 1–3% per year for good credit, subject to a minimum. We quote it fast.
A liquor bond guarantees to the state that you'll pay alcohol taxes and follow ABC law — it protects the state. Liquor liability insurance protects your business from lawsuits when an intoxicated patron causes harm, which your general liability policy excludes. Most alcohol sellers need both.
Often the same business day. Send us your state, license type, and bond amount (or just your license application) and we'll turn a quote around quickly — we're licensed in all 50 states.
Tell us your state and license type — a licensed agent confirms your exact requirement and emails your quote, usually within a few business hours.
Requirements vary a lot by state and license type. Pick yours for the specifics:
More states coming — don't see yours? Get a quote and we'll confirm it.