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Liquor Liability ​Insurance

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Any business that manufactures, sells, services or assists withe the use or purchase of alcohol, needs liquor liability insurance coverage. There is always an additional risk when serving alcohol whether that is part of your every day business activity or serving it at a special event.  Liquor liability insurance protects your company against loss or damages claimed as the result of a patron of your business becoming intoxicated and injuring themselves or others.

What happens when 2 patrons are involved in a fight and one patron sustains injuries and sues the establishment, alleging the negligence service of alcohol caused the fight?
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What if a patron is served alcohol at an establishment and while walking home is struck and killed by an automobile.  The estate of the deceased patron sues, alleging the negligent service of alcohol directly contributed to the accident.
In order to be protected from these allegations your establishment needs to have Liquor Liability Insurance coverage.

LIQUOR LIABILITY 101

There has always been a great deal of confusion about the need for liquor liability – even among insurance professionals. Liquor liability laws vary greatly by state, and insurance policy coverage options are often confusing.  Here is some basic information on the subject:
  • Liquor Legal Liability:  This exposure is not covered by your general liability insurance coverage.  Liquor liability insurance provides coverage for bodily injury or property damage for which you may become legally liable as the result of contributing to a person’s intoxication. This coverage is provided by a separate policy or an endorsement to the general liability policy  and will only cover establishments ‘in the business of’ manufacturing, selling, distributing, or serving alcoholic beverages for a charge.
  • Host Liquor Liability Insurance Policies: cover special events for businesses that elect to serve alcohol to their employees, prospects, and customers. This type of liability insurance is also needed by people and businesses serving or providing alcoholic beverages to customers, guests, or employees. In order for host liquor liability insurance coverage to apply you must not be in the business of serving, selling or facilitating alcohol.  The coverage is usually included in most general liability policies.

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Roberts Insurance Group
64 Academy St
Canton, GA 30114​
(678) 250-8133
Alex@RobertsInsGroup.com

Location

Canton town square photo by Akhenaton06 | CC-BY-SA-3.0 | Website by InsuranceSplash
  • Personal Insurance
    • Vehicles >
      • Auto Insurance
      • SxS/RZR Insurance
    • Property >
      • Home Insurance
      • Landlords Insurance
    • Other >
      • Boat Insurance
      • Wedding Event Insurance
      • Umbrella Insurance
  • Business Insurance
    • Coverage Types >
      • Apartment Owners Insurance
      • Bonds
      • Business Auto - Commercial Auto Insurance
      • Business Liability Insurance - General Liability
      • Business Owners Package (BOP) Insurance
      • Builder's Risk Insurance
      • Commercial Property Insurance Georgia - Commercial Real Estate Insurance Canton GA
      • Commercial Umbrella - Excess Liability Insurance
      • Cyber Liability - Data Breach Insurance
      • Employment Practices Liability Insurance (EPLI)
      • Liquor Liability Insurance
      • Pollution Liability Insurance
      • Professional Liability Insurance
      • Trucking & Transportation Insurance
      • Vacant Building Insurance
      • Workers Compensation
    • Industry Specialties >
      • Auto Body Shop Insurance
      • Auto Dealers Insurance
      • Auto Mechanics Insurance
      • Car Wash Insurance
      • Contractors Insurance
      • Convenience Store - Gas Station Insurance
      • Day Care Insurance
      • Dump Truck Insurance
      • Electricians Insurance
      • HVAC Contractor Insurance
      • Janitorial Insurance
      • Landscaper Insurance
      • Manufacturers Insurance
      • Non Profit Organization Insurance - Religious Organizations - Charities
      • Plumber Insurance
      • Restaurant Insurance - Bar
      • Roofing Contractor Insurance
      • Trucking - Transportation - Cargo Insurance
      • Towing Insurance - Tow Truck
  • Work Comp Cost Control
  • Pricing
  • Blog
  • Contact
    • About
    • Staff Directory
    • Client Testimonials
    • Accessibility Statement