- Assault and battery, like if a customer you served alcohol to physically hurts another person.
- Drunk driving if an intoxicated person your business served or sold alcohol to damages property or causes an accident that leaves another driver with a bodily injury.
- Property damage a customer under the influence of alcohol causes to another person’s belongings.
Liquor liability insurance is important if your business is in a state with dram shop laws. These laws allow businesses to be held liable if they sell or serve alcohol to intoxicated individuals who cause an injury or damage property. Thirty states have dram shop laws in place.
Liquor liability insurance can be tailored to fit your business. A bar owner may wish to add assault and battery coverage to protect against claims that a bouncer injured a customer, or to secure coverage against employees drinking on the job. You can also secure coverage for specific incidents of violence, claims of mental damages, and more.
Different policies have different coverage limits, so you can choose an appropriate extent of coverage for your business. Talk to us to determine which coverage areas are most important for your business and to find a policy that provides appropriate protection