Liquor Liability Insurance

For establishments dispensing alcohol, liquor liability insurance isn’t just important—it’s vital. This coverage stands guard, ensuring your business remains shielded should an inebriated patron cause harm or damage post-consumption.

When does alcohol service translate to liability?

It might seem daunting, but if a customer, after consuming alcohol you’ve served, inflicts injury or damage on themselves, others, or property, your business could be held accountable. Winning a legal dispute doesn’t spare you from defense costs, and many standard business policies exclude alcohol-induced incidents.

State Mandated “Dram Shop” Laws:

Complicating matters, the majority of states enforce “dram shop” regulations. These laws impose stringent liability on venues serving alcohol to visibly intoxicated individuals, making you accountable for their subsequent actions without necessitating proof of your negligence.

Choosing Comprehensive Coverage:

While liquor liability insurance offers a protective barrier, it’s essential to discern its extent. Seek policies that include assault and battery provisions—critical if your staff confronts or removes an intoxicated client. Also, consider litigation cost coverages, especially for those nuanced cases where no damages are awarded, but both parties bear their legal fees.

Dive deeper into liquor liability insurance with our expert guidance. Reach out now.