Risks of liability for firms that serve alcohol.

To make matters worse, most cities have dram shop regulations (places where alcohol is sold) that provide strict accountability for businesses that serve alcohol to someone who is already intoxicated. That means you can be held liable for their subsequent ehavior without having to prove you acted recklessly. While any business that sells or serves alcohol need this coverage, the following are the different sorts of enterprises or venues that may require a liquor liability policy:

Additional coverage alternatives to consider.

Liquor liability insurance protects you against such lawsuits, but you should always read the fine print. Look for assault and violence coverage, which covers claims against your employees, which can easily happen if they are escorting an intoxicated customer off the premises. It may also be worthwhile to obtain coverage for litigation costs to cover grey area scenarios in which a court awards no damages but each side pays its own legal bills.

Do you own a business that provides or sells alcoholic beverages? Contact us to discuss your company’s liquor liability insurance requirements.