Liquor Liability Insurance

A good deal of alcohol-related liability claims filed against bars, taverns, and restaurants are a result of liquor-induced fights or altercations.

In fact, just escorting an unruly patron to the exit is frequently enough to trigger an assault and battery allegation.

Along with coverage for these events, litigation costs, including the fees to retain an attorney and court costs may also be covered under a liquor liability policy.

There has always been a great deal of confusion about the need for liquor liability, even among insurance professionals. Liquor liability laws vary greatly by state, and insurance policy coverage options are often confusing.

Here are the basics:

• “Dram Shop” Laws hold alcoholic beverage servers financially liable for harm that visibly intoxicated individuals cause to other people, themselves, or property. These laws are established at the state level. They can apply to bars, liquor stores, restaurants, social clubs and private events where liquor is served. Dram shop laws also include selling liquor without a license, selling liquor after hours, and selling liquor to minors.
• Liquor Legal Liability provides coverage for bodily injury or property damage for which you may become legally liable for, as the result of contributing to a person's intoxication. This coverage is provided by a separate policy and will only cover establishments 'in the business of' manufacturing, selling, distributing, or serving alcoholic beverages for a charge. This exposure is not covered under a general liability policy.
• Host Liquor Liability Insurance Policies cover special events for businesses that elect to serve alcohol to their employees, prospects, and customers. This type of liability insurance is also needed by people and businesses serving or providing alcoholic beverages to customers, guests, or employees.

If your business manufactures, sells, serves, or facilitates the use or purchase of alcohol, then you need liquor liability insurance coverage. It protects your business against loss or damages claimed as the result of a patron of your business becoming intoxicated and injuring themselves or others.

Court decisions, coupled with new state statutes, are holding vendors of alcoholic beverages increasingly responsible for damages under liquor liability laws. 

We make the liquor liability insurance buying process as simple as possible.

Contact Consultative Insurance Group today or complete the 'Request A Quote' online form, and we will contact you!