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Liquor Liability Insurance
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Liquor liability insurance is intended to provide liability insurance protection for any business who manufacture, distribute, sell or serve liquor. You need liquor liability insurance if you sell alcohol and your business is a:
- Bar
- Tavern
- Nightclub
- Fraternal Club
- Convenience Store
- Liquor Store
- Restaurant
Many business owners are unaware of the benefits of liquor liability insurance, especially if they are not a bar or tavern.
Your liability doesn’t leave when customers leave your establishment. When you sell liquor, your business assumes some liability for the actions of your patrons while inside your establishment and after they leave.
For example, a tavern can be held liable if an intoxicated patron causes injuries or death to others after they’ve left your establishment. The burden of proof falls on you to show that you were not negligent in serving the patron.
Liquor liability insurance isn’t just for bars. While bars and taverns are an obvious choice for liquor liability insurance coverage, they are not the only ones that can benefit from this protection. Manufacturers and distributors of liquor can even hold some liability in some instances. Restaurants, clubs, liquor or convenience stores and even fundraiser events serving alcohol can all benefit from the protection of liquor liability insurance.
Even BYOB establishments can be liable. If you allow someone to bring their own alcohol, claiming that they are responsible for their own actions is not necessarily a valid defense.
These are just a few of the reasons why liquor liability insurance remains a valuable coverage for so many establishments.
A member of our team can provide you with quotes on liquor liability insurance from multiple insurance carriers so you can get the best possible rate.
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