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What Insurance Does My Restaurant Need If We Serve Alcohol?

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July 4, 2022 by JMG Insurance Corp

barman gently pours finished cocktail from glass shaker into glass.High alcohol consumption has a direct relation to accidents. Bars, restaurants, and taverns are at a constant risk of something terrible happening to them because of people who drink too much and get rowdy or violent.

When things go wrong, the results include property damage, fights, and injuries. That is why bar owners need to understand that they can be held accountable for customers’ actions and injuries due to overdrinking. In 2010 Texas Supreme court held a bar accountable for $1.5 million charges for damages sustained in an incident.

Such businesses need Liquor Liability Insurance to cover legal fees, the medical cost in case of a medical injury, settlements, and property damage by the drunk person.

What Is Liquor Liability Insurance?

Liquor Liability Insurance protects businesses that serve or sell alcohol. A business is liable to pay for the injuries and property damage caused by alcohol consumption.

This insurance covers damages or injuries resulting from bar fights, reckless driving because of being drunk, or damaging property. General Liability Insurance policies don’t cover these types of accidents.

In the majority of US states, Liquor Liability Insurance is required for a business to sell or serve alcohol. If your establishment has a permanent place for alcohol on the menu, you need more than Host Liquor Insurance.

Host Liquor Policy and Special Event Insurance only protect you from alcohol-related incidents at an occasional party.

Who Needs Liquor Liability Insurance?

Anyone who has a distribution channel for alcohol, sells liquor or serves them to customers needs Liquor liability insurance. The prime candidates are:

liquor store

  • Liquor Stores
  • Grocery Stores
  • Caterers
  • Restaurants
  • Taverns
  • Bars
  • Catering Companies

Moreover, if any alcohol-related business is running in the states, Dram shop laws hold you responsible for any damages and injuries caused by the alcohol you serve. Currently, more than 40 states have Dram shop laws.

What’s Covered by Liquor Liability Insurance?

At any fancy party or a regular drinking event, a drunk person can ruin everyone’s experience. Your guest or customers can sue you for the property damages. Liquor liability ensures that you are covered and protected against all allegations and financial claims.

Liquor liability can cover you in the following situations:

Bodily Injuries

When a third person, like a guest at a party or a customer, comes to your bar and over drinks, he or she is not in their senses. They often get into fights with other people, injuring themselves and others.

In such a case, a customer may sue you for their urgent medical bills, such as the cost of a hospital room and ambulance expense. Liquor liability helps you cover these costs.

Property Damage

Alcohol makes people lose their ability to think straight and even lose consciousness. People do some act illogically, such as damaging public property, or they can damage other people’s property within your premises. Liquor Liability Insurance helps you pay for the damages.

Legal Expenses

If a person doesn’t use your assistance for medical bills, they might sue you later. The Liquor Liability Insurance can cover the cost of attorney’s fees, court costs, settlements, and other costs related to the legal process.

Additional Claims

whiskey bottles and whisky barrelA business can add additional coverage options to the Liquor Liability Policy to protect themselves from any costs related to alcohol-serving and -selling businesses. There is a wide range of claims to secure, such as injuries done by bouncers, coverage in any case of violence, mental health damages, improper use of bar equipment, etc.

Only a business owner knows the real-time issues related to alcohol drinking. They have a free hand to create a suitable Liquor Insurance Policy for their business.

What Liquor Liability Insurance Doesn’t Cover

Apart from the comprehensive coverage benefits, there is something that this insurance policy doesn’t cover:

Underage Drinking

If you serve alcoholic liquors to underage or minors, the damage or injuries they cause or get are not covered by Liquor Liability insurance. These actions can lead to criminal charges and legal actions regardless of the situation. Your employees should be able to carefully read the ID to avoid serving minors with fake IDs.

Damage Done to Your Property

Liquid Liability Insurance covers damages done to third parties, not your personal and business assets. It would be best to have other insurance policies like Personal Insurance to protect your properties.

Non-physical Harm

Liquor Liabilities Insurance does not cover nonphysical damages like slander, libel, and defamation or the consequences of these acts.

Get an Effective Liquor Liability Insurance From John M. Glover Insurance Agency

At John M. Glover, we serve businesses with efficiency. Our policies are designed to cover our clients to the maximum extent, saving them valuable time and money.

You can get Liquor Liability Insurance from us to cover your alcohol-related issues, especially when it has become a requirement in many US states. Visit our website and explore numerous quick options to contact us or get a quote.

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JMG Insurance Corp has been serving the insurance needs of our clients in Connecticut, New York, New Jersey, Massachusetts, Rhode Island and Hawaii since 1916.

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JMG Insurance Corp 29 Haviland Street Norwalk, Connecticut 06854 1-844-304-7332 1-203-857-7848
Google Rating
4.8
John M. Glover Insurance Agency
John M. Glover Insurance Agency
4.8
Tammy Weiner
Tammy Weiner
14:53 09 Aug 23
Amazing personalize service. They were able to consolidate all of my insurance needs and save me a lot of money, while also upgrading my coverage and making sure all of my needs were met even in potential unforeseen circumstances. Would highly recommend, and I have not been so pleased with an insurance agency in many many years.
Dani
Dani
14:24 06 Aug 23
I have held multiple insurance policies through the John Glover agency, for as long as I can remember. The company is wonderful! All of the staff members are kind, personable, compassionate, and speedily efficient! I highly recommend them!
Chris R.
Chris R.
11:34 25 May 23
I have been a client (auto, home, and umbrella) for several years. The entire team at the agency is excellent. Francesca is always prompt in getting back to me, and the claims group is great. I also purchased a life insurance policy through them as well.
William Schrade
William Schrade
18:25 26 May 23
I'm so pleased with the service at JMG Agency. They shopped and saved me money on my policy even when I didn't request it. I needed insurance in another state where they are not licensed to sell but they went the extra mile and found an agency to rewrite my policy saving me almost 50%. I have complete trust in my agent Francesca and her assistant Crystal. I highly recommend this agency.Bill Schrade
Melanie Craig
Melanie Craig
11:13 08 Aug 23
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