A Short Guide To Liquor Liability Insurance

If you own a business that serves alcohol, it is important that you are aware of the potential liability risks that come with serving alcohol to customers. Intoxication can affect many people negatively and cause them to make risky or unwise decisions that you could end up being held liable for. Luckily, liquor liability coverage can help protect you from the financial consequences of over-serving a customer.

What Is Liquor Liability Insurance?

Liquor liability insurance is a type of insurance coverage that is designed to protect your business from the financial consequences of someone getting overly intoxicated at your establishment. It can protect against things like claims of bodily injury or property damage which could end up saving you a lot of money.

What Things Can Liquor Liability Insurance Cover?

Liquor liability insurance can protect against a variety of costs that are associated with claims relating to over-intoxication. Some of these are:

  • Legal costs
  • Settlements
  • Judgments
  • Repair costs for property damage
  • Replacement costs for property damage
  • Medical bills for treating injuries

How Much Does Liquor Liability Insurance Cost?

The cost of liquor liability insurance can vary widely depending on a few factors. Some of these are:

  • Your location
  • Your claim history
  • The size of your business
  • The number of employees you have

Serving alcohol at your business comes with a certain amount of risk. Liquor liability insurance can help.

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