Liquor liability coverage, in general, provides coverage for property damage or bodily injury claims that the insured could be held liable for as a result of:

• Helping to cause or contributing to the intoxication of a patron.
• Selling or making alcohol available to obviously intoxicated patrons.
• The violation of any law or ordinance regarding the use, sale, distribution or gift of alcoholic beverages

The coverage only applies if the insured:

• Makes, sells, or distributes alcoholic beverages.
• Serves alcohol for free at a licensed event.
• Serves alcohol for a price, whether or not this activity is part of the insured’s livelihood or business.