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Do you need Liquor Liability Insurance?
If your business involves the manufacture or sale of alcohol, then liquor liability insurance coverage is recommended.
Liquor liability insurance covers claims for property damage or injuries resulting from the intoxication of a customer. You are covered whether the injury is to the customer themselves, or to others. Personal or property damage from alcohol consumption is a risk that should be covered.
Let’s Review the Risks
If an intoxicated customer drives away from your establishment and is responsible for vehicular manslaughter, your business could be sued by the victim’s family, for both civil and criminal damages.
Even if you are catering an off-premise event with alcohol, and there is an altercation with injuries from an intoxicated guest, you could be held liable.
It isn’t enough to have your servers ServSafe® or TIPS certified, changing state laws and tougher court decisions are proving the need for liquor liability insurance. In the instances above, you could be protected from legal fees, court costs, and any civil or criminal damages that may arise.
Liquor liability laws can be confusing and often vary from state to state, so a knowledgeable local insurance agent is a must to help you make sure you are properly protected.
What You Need to Know
Dram Shop Laws: State laws that govern alcoholic beverages are called ‘Dram Shop’ Laws. They place financial liability on alcoholic beverage servers for harm that noticeably intoxicated persons cause to themselves, others, or property. Not only bars, restaurants and liquor stores are affected, but also any private clubs and special events where liquor is served.
Liquor Legal Liability coverage requires a separate policy, providing risk coverage that general liability policies do not. If bodily injury or property damage is caused by your contribution to someone’s intoxication, you may be legally liable. Any business that is manufacturing, selling, distributing, or serving alcoholic beverages for a charge needs to add this coverage.
Host Liquor Liability Insurance: Any business that elects to serve alcohol to customers, prospective customers, and/or employees at a special event, should have Host Liquor Liability Insurance to protect the business for these special events.
Contact our Harford County insurance agents for professional advice to protect your business from undue risk. We offer montly payment options, coverage for all employees (including full-time, part-time, and temporary staff), and tailored coverage to match your specific needs and situation.
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