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If you are in a DRAM Shop State - All US states are DRAM Shop except the following: Delaware, Kansas, Louisiana, Maryland, Nebraska, Nevada, South Dakota and Virginia

Therefore, if you are not one of the above listed states, you likely are required by law to carry Liquor Liability Insurance.

To learn more about the coverage go to my YouTube channel: @TheInsuranceAgent1

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What is liability class code 19007?

Liability class code 19007 typically refers to businesses engaged in the operation of bars, taverns, or similar establishments. This classification is used by insurance companies to assess risks and determine premiums based on the nature of the business activities, including factors like alcohol sales and potential liability claims. Businesses falling under this code may face higher insurance costs due to the inherent risks associated with serving alcohol and the potential for incidents on their premises. Always check with your insurance provider for the most accurate and specific information regarding liability class codes.


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Companies that provide insurance for bars and restaurants include InsuringMyRestaurant and SocietyInsurance. Both companies offer a variety of insurances for all kinds of things, including for bars and restaurants.


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