Liquor liability insurance helps protect a business that sells, serves, or distributes alcohol. This type of business insurance can help cover claims of bodily injury or property damage that an intoxicated person causes after a company serves them alcohol.

If your business gets sued, liquor liability insurance helps cover your:

• Legal costs
• Settlements or judgments
• Repair costs to fix property damage
• Medical bills to treat an injury

 The types of businesses that typically need a liquor liability insurance policy include bars, breweries, restaurants, liquor stores, convenience stores, wineries, grocery stores, and so on. Any business that sells alcohol, regardless of size, is exposed to liquor liability and could benefit from purchasing insurance. Sometimes, businesses are legally required to get this coverage before they are given a liquor license or a commercial lease.

• Assault and battery, like if a customer you served alcohol to physically hurts another person.
• Drunk driving is if an intoxicated person your business served or sold alcohol damages property or causes an accident that leaves another driver with a bodily injury.
• Property damage a customer under the influence of alcohol causes to another person’s belongings.

Liquor liability insurance is essential if your business is in a state with dram shop laws. These laws allow businesses to be held liable if they sell or serve alcohol to intoxicated individuals who cause injury or damage to property. 

Liquor liability insurance can be tailored to fit your business. A bar owner could want to include assault and battery coverage, for instance, to guard against allegations that a bouncer hurt a client or to provide coverage against staff members who consume alcohol while on the job. Additionally, you can obtain protection against allegations of emotional harm, particular acts of aggression, and more. You can select a suitable level of coverage for your company by comparing the coverage limits of various policies. Speak with us to identify the areas of coverage that are most crucial for your company and to locate a policy that offers enough protection.