The cannabis beverage category has entered a new era. Once primarily sold through licensed dispensaries, THC-infused beverages can now be legally served in bars, taprooms, restaurants, private events, festivals, stadiums, and entertainment venues across many parts of the country. This shift is changing how people socialize. Consumers are choosing lower-dose, sessionable THC beverages as a modern alternative to alcohol—social, balanced, and generally more predictable.
However, while the market has evolved quickly, insurance coverage has not.
Until now.
For the first time, dedicated THC Beverage Liability coverage is available, with premiums starting at $2,500 + taxes and fees, designed specifically for businesses that serve, sell, distribute, or manufacture THC beverages.
Why Traditional Coverage Falls Short
Most standard Liquor Liability and General Liability policies specifically exclude impairment caused by THC. So if a patron becomes intoxicated from a THC beverage you provided—and later causes an injury, accident, or property damage your existing insurance would likely not respond.
This new policy fills that gap, offering protection when impairment from THC beverages is alleged to have contributed to a claim.
Who This Coverage Is Designed For
If THC beverages are part of your menu, sales model, or brand strategy, you need this coverage.
This includes:
Bars & Restaurants incorporating THC drink menue
Breweries, taprooms, and mocktail lounges
Cannabis beverage brands and manufacturers
Nightlife & hospitality venues
Festivals, concerts & ticketed events
Stadiums & arenas with hospitality service
Caterers, event bartenders & mobile pop-ups
Retailers selling hemp-derived THC beverages
If you serve it, pour it, sample it, sell it, or manufacture it — you’re exposed.
What the Policy Covers
Coverage Includes:
Bodily injury caused by THC intoxication
Property damage associated with patron impairment
Defense costs for lawsuits alleging negligent service or over-intoxication
Coverage available for ongoing venues or one-time events
This ensures that major venues and brand partners can meet contractual insurance requirements and risk-transfer standards.
Policy Types Available
Annual Programs for ongoing operation
Short-Term/Event Policies for festivals, tours, & pop-up
Manufacturer & Distribution Classification
Vendor / Server / Beverage Service Classification
This is not a “one-size-fits-all” policy underwriting is tailored to how and where beverages are served.
How Claims Happen in the Real World:
If THC is involved and you don’t have this, you’re uninsured.
Minimum Premium
Starting at $2,500 annually
(Plus applicable taxes and fees)
Pricing scales based on:
Volume sold or server
Venue capacity or distribution footprint
Staff training and serving controls
Brand maturity and product formulation practices
How to Get a Quote
We will walk you through a streamlined intake process. To begin, you’ll need:
Estimated THC beverage sales for the next 12 month
Venue details or distribution model
Current insurance program (if applicable)
Operational service or packaging control
That’s it, no complicated underwriting maze.
THC beverages are rapidly reshaping the hospitality and social consumption landscape. The brands, operators, and venues that adopt responsible service practices and proper insurance will lead the category forward.
With dedicated THC Beverage Liability now available including excess limits up to $10,000,000 for stadiums and arenas the industry finally has a scalable insurance foundation.
For More information, reach out to Kirk Miller at 925.359.1472 or kirk@pcfoy.com
