Liquor Liability Insurance
Liquor liability insurance to protect your business and assets.
As a business that serves alcohol, liquor liability insurance is essential. This type of policy protects you and your business in the unfortunate event that a customer causes damage or injury after being served alcohol by your business.
When is your business held responsible for alcohol-related incidents?
Unfair as it may seem, you can be held responsible if you sell alcohol to a customer who then causes damage or injury to themselves, others, or property while intoxicated. Even if you win in any court case, you’ll still face legal costs defending a claim. That’s a big problem, as many business policies specifically exclude any claim resulting from an alcohol-related incident.
Liability risks for businesses that serve alcohol.
To make things worse, most states have what are known as “dram shop” laws that create strict liability for businesses that serve alcohol to somebody who is already intoxicated. That means you can be held responsible for their subsequent actions without any need for proof you acted recklessly.
Additional coverage options to consider.
Liquor liability insurance covers against such cases, though you’ll need to check precisely what a policy covers. Look for assault and battery coverage, which covers claims against your staff—something that can easily arise if they are escorting a drunk patron off the premises. It’s also definitely worth getting coverage against litigation costs to cover “gray area” cases where a court awards no damages but each side pays its own legal fees.
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Bringing Kindness to Pennsylvania
With two offices in Lemoyne, PA, The Kind Insurance is proud to serve clients throughout Pennsylvania. We are also licensed to serve clients in over seven other states.
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As an independent agency, we are here to help you find the right Liquor Liability Insurance coverage.
Liquor Liability Insurance Quote Request
You’ll also need to check details including whether the long-term care insurance policy is restricted to approved or specified long-term care facilities, and exactly what medical examinations and assessments are needed to trigger payouts. Remember that, as with medical insurance, pre-existing conditions–and the associated care costs–may not be covered for a set period after you take out the policy.
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- Review options with an agent.
- Get the coverage you need.
