Next Insurance adds liquor liability coverage

Next Insurance Inc. said Thursday it is offering liquor liability coverage for restaurants as part of a general liability policy.

The policy covers losses resulting from the intoxication of customers and is designed for small businesses such as cafés, diners, pop-up restaurants, and fine-dining establishments, the Palo Alto, California-based insurer said.

The liquor liability insurance is bundled with general liability insurance starting at an additional $150 per month.

Next offers three packages for general liability, with limits of $500,000, $1 million and $2 million available. Liquor liability is subject to those limits with no deductible or sublimit. The limits depend on the package selected, a Next spokeswoman said in an email.