Liquor Liability Insurance
We can help protect your company against alcohol-related claims and damages
As a restaurant, catering company, or bar owner, you understand the importance of protecting your company from unfortunate events that can cripple and even shutter an otherwise successful business. Rather than risk being underinsured in the event you face an alcohol-related claim, take a moment to consider the many advantages Liquor Liability Insurance offers.
Don’t be fooled, even if you have a BYOB policy, you can still be held liable for alcohol-related incidents on (and in some states, even off) your premises. Protect yourself and your food service company with a customized Liquor Liability policy that addresses your specific needs and unique business.
Key Benefits & Features
The most important thing to understand about Liquor Liability insurance is what it does for you that General Liability doesn’t – which is protect your company against alcohol-related claims and damages including legal fees, settlements, and medical costs up to the limits of your policy. If your business has any exposure to liquor consumption or sales, you should consider adding Liquor Liability to your current General Liability Insurance or purchasing it as standalone coverage.
Assault and Battery Coverage
Did you know the most common liquor liability claims are the result of alcohol-fueled fights? As part of your customized liquor liability policy you can add assault and battery coverage as well as extensions to cover specific incidences such as sexual assault and weapon-related injuries like shootings and stabbings.
Defense Cost Coverage
Defense Cost Coverage helps ensure that your business is adequately protected in the event you need to defend yourself against an alcohol-related claim in court. Even unfounded and frivolous claims can cost thousands of dollars to fight before they’re dismissed. Customize your defense coverage to make sure your case-related expenses as well as any damages you may be found liable for are covered.
Employee Coverage
The most comprehensive Liquor Liability policies include employee coverage that will protect your business in the event that one of your employees drinks on the job and participates in any indiscretions or compromises the health and safety of your customers as a result.
Psychological & Emotional Damages Coverage
Not all Liquor Liability Coverage is the same. Make sure you find Liquor Liability Insurance with inclusive definitions of damages including mental and emotional health claims that could result from customers witnessing crimes and incidences on your premise.
Don’t get caught without adequate protection
Depending on where your business is located and how you operate, you may be required to carry Liquor Liability Insurance. Contact one of our experts today for a comprehensive coverage review and expert advice and guidance tailored to fit your unique food services business.