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FAQ: South Carolina Liquor Liability Insurance Requirements and Mitigation Opportunities
TL;DR
Viva Beverage Law's guidance helps South Carolina alcohol businesses reduce required liquor liability insurance coverage by up to $500,000 through specific mitigation strategies.
South Carolina businesses selling alcohol after 5 p.m. must maintain $1 million liquor liability coverage, but can reduce it by implementing measures like server training or early closing.
These updated insurance guidelines help South Carolina businesses operate more safely and responsibly while reducing financial burdens, creating a better environment for communities and patrons.
South Carolina alcohol businesses can now submit mitigation documentation through MyDORWAY starting November 2025, potentially lowering insurance requirements by implementing specific operational changes.
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This announcement covers updated guidance from Viva Beverage Law regarding South Carolina's liquor liability insurance requirements for alcohol businesses, including new opportunities for coverage mitigation that could reduce insurance costs.
South Carolina businesses licensed or permitted to sell beer, wine, or liquor for on-premises consumption that remain open after 5 p.m. are affected, including retailers, restaurants, manufacturers, breweries, distilleries, wholesalers, importers, and hospitality businesses.
Businesses must maintain a liquor liability insurance policy or a general liability policy with a liquor liability endorsement, with total coverage of at least $1 million during the period of their biennial permit or license.
Businesses can reduce the required $1 million annual aggregate limit by $100,000 to $500,000 by implementing mitigation factors such as stopping alcohol service by midnight, requiring employees to complete approved alcohol server training, keeping alcohol sales below 40% of total revenue, or using a qualifying forensic digital ID verification system between midnight and 4:00 am.
Qualifying reductions may take effect for liquor liability policies beginning January 1, 2026, and new applicants and renewing licensees can submit mitigation documentation through MyDORWAY starting November 1, 2025.
Coverage must be at least $300,000 for permanent licensees and $150,000 for special event licensees when mitigation factors are applied.
Viva Beverage Law is a firm that focuses on South Carolina beverage law, assisting clients with alcohol licensing and compliance. Founder Lauren Acquaviva spent six years litigating alcohol licensing and tax matters at the South Carolina Department of Revenue, giving the firm insight into regulatory decisions.
Businesses can explore additional resources on Viva Beverage Law's website or submit individual inquiries through the firm's online portal.
Businesses should review the updated guidance, assess whether they qualify for mitigation reductions, and consider reaching out to Viva Beverage Law or using the MyDORWAY system for clarification and documentation submission.
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