Liquor Liability Insurance | Insurance Explained

Liquor liability insurance protects businesses that manufacture, sell or serve alcohol, against claims that occur when a patron drinks too much and injures themselves or someone else. It is meant to protect any establishment that serves alcohol in any form from damages caused by an inebriated patron. Liquor liability insurance covers damages caused by alcohol-related incidents when a commercial general liability policy does not.

Businesses that serve alcohol expect their employees or patrons to have a good time and act in a responsible manner. What they don’t expect, however, is to find out that they are liable for the actions of an intoxicated person. While the vast majority of businesses serve alcohol without incident, the harsh reality is that lawsuits related to liquor liability are filed every day. Making matters worse, all it takes is a single liquor liability claim to put your entire business at risk.

Unfortunately, even the best risk management programs can never eliminate your liquor liability exposures completely. To make matters worse, people often file lawsuits against businesses that do everything in their power to serve alcohol in a responsible manner. When these lawsuits occur, they can be expensive with costs often exceeding $10,000 for legal fees alone. Thankfully, businesses can turn to liquor liability insurance.

Liquor liability insurance protects businesses that manufacture, sell or serve alcohol, against claims that occur when a patron drinks too much and injures themselves or someone else. It is meant to protect any establishment that serves alcohol in any form from damages caused by an inebriated patron. Liquor liability insurance covers damages caused by alcohol-related incidents when a commercial general liability policy does not.

To help your business navigate the risks associated with serving alcohol, Watkins Insurance Group is providing an e-book. Please click the link in the description below. This e-book will examine the concept of liquor liability and list steps businesses can take to mitigate their risks of facing a costly lawsuit or insurance claim.

When you are done reviewing this guide, remember, Watkins Insurance Group is here for you and your business. We are ready to help you design an effective risk management plan to limit your business’s liquor liability. What’s more, we can help you find the right insurance policy to protect your business’s bottom line.

We’re here to help.

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