Liquor Liability insurance is an essential coverage for businesses that serve, sell, or distribute alcohol. This type of insurance helps protect businesses from claims of bodily injury or property damage that result from the actions of an intoxicated customer. Liquor Liability insurance can be purchased as a standalone policy or as an endorsement to a general liability policy.
Liquor liability insurance covers a range of claims related to alcohol consumption, including assault and battery incidents where a customer who was served alcohol causes physical harm to another person. It can also cover claims related to drunk driving accidents where an intoxicated person your business served or sold alcohol to damages property or causes an accident that leaves another driver with a bodily injury. Additionally, liquor liability insurance can cover property damage caused by a customer who was under the influence of alcohol and caused damage to another person’s belongings.
It’s important to remember that even if your business is not at fault for a liquor-related incident, legal costs and defense fees can still add up quickly. Liquor liability insurance can help protect your business from these expenses and keep your business running smoothly.