Liquor Liability Insurance
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Liquor Liability Insurance Quotes
Protect Your Business Against Claims that May Arise from Customers.
Liquor liability insurance helps protect your business from risks not typically covered by general commercial liability policies. Just as medical practitioners need malpractice insurance tailored to their risks, you need coverage tailored to yours. Liquor liability coverage is an essential part of your comprehensive business insurance portfolio, whether you manufacture, serve or sell alcohol. If you already have a policy, you should review it periodically to make sure it is up to date. As your business expands, it’s a wise idea to increase your coverage limits and reduce your exposure to claims.
You can use our quote service to get free quotes for liquor liability coverage in one minute.
Who Needs Liquor Liability Coverage?
Liquor Liability Insurance is strongly recommended for all businesses that involve selling, serving or manufacturing alcohol. Whether it’s a restaurant, grocery store, bar or special event venue, serving alcohol of any kind, including wine, spirits and beer, could make you foot the bill for any inebriated customer. Through serving alcohol, you essentially become liable for claims that may arise from the patron who is partaking in alcohol consumption.
What Does Liquor Liability Insurance Cover?
The number of lawsuits filed in this country continue to increase. When impaired judgement from the consumption of alcohol is added to the mix, this trend becomes exacerbated. Many of the claims made against businesses that sell alcohol are a result of some altercation, argument or fight. Anything that happens on your premises, including you helping inebriated customers leave, could trigger a claim. Given the amount of exposure, you can imagine the litigation costs that could accrue for your restaurant, grocery store or bar. If you have adequate liquor liability coverage, you will be protected against claims, judgments and court costs up to the limit of your policy.
Things To Think About
Provided many liquor-related altercations involve some form of force, it’s prudent to ensure that your liquor liability policy include assault and battery coverage. In addition to assault and battery coverage, make sure your liquor liability policy covers you for any Dram Shop liability you may face. Dram Shop laws are present in majority of the United States and make businesses liable for serving customers that are clearly intoxicated.
Affordable Quotes For Liquor Liability Coverage
Rates for liquor liability are affordably priced. The amount of coverage you need will depend on several factors; such as the size of your venue, your hours of operation, and the number of customers you typically serve.
You can get competitive quotes from one or more liquor liability insurance companies by using our free quote services here. If you don’t wish to purchase insurance now, please leave your expiration date on the form provided. When your expiration date is closer, you will be contacted so that you can comparison shop for liquor liability insurance at that time.
Protect your business from exposure to risk. Use the form at the top of this page to get quotes for liquor liability coverage now.
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Frequently Asked Questions (FAQs)
Get clear answers to common insurance questions and important details to guide your coverage decisions.
What is Liquor Liability Insurance?
Liquor Liability Insurance protects businesses that sell or serve alcohol from claims related to intoxicated customers causing injury or property damage. It covers legal defense costs, settlements, and judgments, including incidents like fights, accidents, or DUI-related damages.
Who needs Liquor Liability Insurance?
Any business that serves alcohol, such as bars, restaurants, liquor stores, and event organizers, needs Liquor Liability Insurance. This coverage is crucial in states with dram shop laws, where businesses are held accountable for serving alcohol to minors or visibly intoxicated individuals.
What does Liquor Liability Insurance cover?
This insurance covers claims arising from injuries or property damage caused by intoxicated patrons. Examples include fights, car accidents, or other injuries caused by patrons after being served alcohol. It also covers legal fees, settlements, and potential medical expenses.
What is not covered by Liquor Liability Insurance?
Liquor Liability Insurance does not cover incidents involving underage drinking, illegal activities, or claims unrelated to alcohol service. Additionally, business property damage is excluded and would need to be covered under commercial property insurance.
How much does Liquor Liability Insurance cost?
The cost varies based on factors like location, industry, and the percentage of alcohol sales. Restaurants might pay between $500 and $4,000 per year, while bars can pay upwards of $6,000 annually. Higher risks, such as nightclubs, may face higher premiums.
Can I save on Liquor Liability Insurance premiums?
Yes, businesses can reduce premiums by implementing responsible alcohol service training programs, bundling with other insurance policies, and maintaining a good claims history. Some insurers offer discounts for businesses with proactive risk management.
How do I choose the right Liquor Liability Insurance policy?
Evaluate your business’s risk exposure, such as the volume of alcohol sold and the types of events hosted. Choose a policy that meets your local dram shop law requirements and includes adequate coverage for legal and medical expenses. Consult with an insurance agent to customize the policy to your needs.
