Perry Insurance Group

Liquor liability in South Carolina has been brutal the last couple years. I’ve had more bar and restaurant owners sit in my office frustrated over that one line item than anything else on their policy.

Here’s what most people don’t realize…

With the new liquor liability law changes in SC, some carriers have quietly re-entered the market. The problem is, not every agency has access to them — and not every agent is structuring submissions the right way.

We just wrote a bar doing just under $3 million in annual sales. They were paying sky-high premiums and were told “this is just what it costs now.”

We moved them to a new carrier, kept full liquor liability limits in place, and reduced their premium by $40,000.

Forty. Thousand. Dollars.

That’s payroll.

That’s renovations.

That’s marketing budget.

That’s profit back in your pocket.

If you own a bar, restaurant, taproom, live music venue, or anywhere alcohol is a major revenue driver in South Carolina, it is worth 15 minutes to have someone who understands the current landscape look at your policy.

Worst case? You confirm you’re in the best spot.

Best case? You free up serious cash in your business.

Hospitality is hard enough right now. Your insurance bill shouldn’t be what keeps you up at night.