Do You Sell or Distribute Liquor, Wine, or Beer?
We can limit your exposure.
Liquor liability insurance provides coverage for businesses involved in selling or distributing liquor, wine or beer. Organizations that are in the business of selling alcohol have an extremely high exposure to liquor liability related claims, and coverage for bodily injury or property damage as a result of an intoxicated patron is not insured by a typical general liability or business owners policy. Most states have determined that businesses that sell, manufacture or serve alcohol can be held vicariously liable for harm caused by an intoxicated patron, and several states now mandate that such businesses maintain a liquor liability policy.
Claims result from common day accidents, be it when one of your regular customers has one too many glasses of wine and is involved in a car wreck driving home, or a guest falls down a flight of stairs in your restaurant while intoxicated. Whether you're a business owner who sells or serves liquor, an event planner who hosts the occasional party, or the host of a wedding or private function, you could be held liable for millions of dollars of damages and legal costs to defend yourself and your business.
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Most insurance companies who provide liquor liability coverage have unique contractual terms and conditions. You will want to consult with an experienced insurance professional to make sure your policy doesn't have exclusions or gaps. For example, policies may exclude coverage for emotional distress and mental anguish, or not provide coverage for employees and those served illegally such as someone who is under the legal drinking age. While several states require organizations in the business of selling liquor to maintain a minimum level of coverage, compulsory limits are typically inadequate to cover these type of claims. Consult with an insurance agent who is knowledgeable in this field and can help you select an appropriate limit.