Effective July 1, 2024, Indiana law requires retailers and craft manufacturers (small brewers, farm wineries, and artisan distillers) located in Indiana with an active alcohol permit for on-premises consumption of alcoholic beverages to hold liquor liability (i.e., “dram shop”) insurance with a total minimum coverage of at least $500,000. The purpose of this notice is to remind applicants and permit holders of the deadlines to submit proof of liquor liability insurance as required by IC 7.1-3-1-6.4. Please review the information below to determine if and/or when you are required to submit proof of insurance if you haven't already done so.
Active Permits:
- Proof of liability insurance must be submitted on or before December 31, 2024.
- On or after January 1, 2025, permits for which proof of liability insurance has not been provided to the ATC will not be issued or renewed.
- On or after January 1, 2025, permit applications submitted must contain proof of liquor liability insurance. Permit applications submitted without proof of insurance will be considered incomplete and may be rejected or returned at the ATC’s discretion.
Inactive/Escrow Permits:
- Proof of liquor liability insurance must be provided to the ATC prior to the permit being made active.
- On or after January 1, 2025, permits for which proof of liquor liability insurance has not been provided to the ATC will not be activated or removed from escrow.
Proof of insurance must be submitted in the form of a certificate of insurance or policy declaration from the insurance carrier or insurance provider which includes the following information:
- The address(es) of the insured location(s) to which the coverage applies*
- A specific line or note indicating the policy includes liquor liability coverage, as well as the amount of the insurance coverage
- The name of the permit holder (as it appears on permit issued by the ATC) listed as an insured party
- The effective date and expiration date of the policy coverage
(*NOTE: More than one permit premises may be listed on a single policy document, but each permit address must be listed separately.)Failure to comply with the liquor liability insurance requirement may result in the suspension or revocation of your permit. For more information regarding the new liquor liability insurance requirements, please click here. For more information on how to submit your proof of insurance, please click here .