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Liquor Liability Insurance
If your business serves, sells, or distributes alcohol, you could be held liable for damages caused by intoxicated patrons. Liquor Liability Insurance provides financial protection in the event that an individual becomes intoxicated at your establishment and goes on to cause injury, property damage, or even fatalities. Without proper coverage, your business could face costly lawsuits and settlements.
A Liquor Liability Insurance policy typically includes coverage for:
- Legal defense costs and settlements
- Claims of bodily injury or property damage caused by intoxicated patrons
- Assault and battery claims related to alcohol service
- Coverage for employees who serve alcohol irresponsibly
At
McShea Insurance, we specialize in helping businesses navigate the risks of alcohol service with tailored
Liquor Liability Insurance policies that provide peace of mind and financial protection.
A Not-So-Fun Fact:
Even if you serve a person just
one drink, and they later become involved in a
DUI-related accident that results in serious injuries or fatalities, your business
could be held liable in court. Victims’ families and loved ones can file lawsuits against establishments that served alcohol to the impaired driver, leading to significant financial consequences.
Who Needs Liquor Liability Insurance?
Any business that serves, sells, or allows the consumption of alcohol should consider Liquor Liability Insurance. Some examples of industries we serve at McShea Insurance include:
- Bars and nightclubs
- Restaurants and cafes
- Breweries and wineries
- Caterers and event venues
- Convenience and liquor stores
- Golf courses and country clubs
FAQs
Is Liquor Liability Insurance required by law?
Liquor Liability Insurance requirements vary by state and municipality. In many states, businesses that serve or sell alcohol are required to carry this coverage as part of their liquor license obligations. Even if it's not legally required, many landlords, lenders, and event venues may require businesses to carry Liquor Liability Insurance to operate.
Does Liquor Liability Insurance cover incidents involving employees?
Yes, Liquor Liability Insurance can cover claims involving employees who serve alcohol. If an employee overserves a patron who then causes an accident, your policy may help cover the resulting damages, legal fees, and settlements.
What factors affect the cost of Liquor Liability Insurance?
Several factors influence the cost of Liquor Liability Insurance, including:
- The type of establishment and alcohol sales volume
- Business location and local liquor laws
- Previous claims history
- Staff training and responsible alcohol service policies
Get Started Today
Protect your business with the right Liquor Liability Insurance coverage. At McShea Insurance, we can help assess your unique risks and customize a policy that meets your business’s needs.
Contact McShea Insurance today to speak with an agent and customize a policy that ensures your establishment is properly protected.