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Owning a business that 服务 alcohol, whether in an established location or for a special event, always involves an element of risk. Liquor liability insurance protects you against loss or damages claimed as the result of a patron of your business becoming intoxicated and injuring 自己 or others.
If your business manufactures, 销售, 服务, or facilitates the use or purchase of alcohol, then you need liquor liability insurance coverage.
There is often a great deal of confusion about the need for liquor liability, even among insurance professionals. Liquor liability laws vary greatly by state, and insurance policy coverage options are often confusing. 以下是最基本的:
法院判决, coupled with new state statutes, are holding vendors of alcoholic beverages increasingly responsible for damages under liquor liability laws. 不过, liquor liability insurance continues to be a quiet, 如果不是减少, market around the country. 事实上, more than half the establishments serving alcohol in the United States choose to operate without liquor liability insurance coverage.
We make the liquor liability insurance process as simple as possible. By filling out a simple online form, our agents will shop the market for you and get you the best possible coverage. We pride ourselves on taking care of our clients and their interests.
When an intoxicated patron leaves your bar or store, 钻进他的车里, 驱动器, and commits vehicular manslaughter, the victim’s family could sue the bar for both civil and criminal damages.
Or suppose a restaurant 服务 alcohol at a catered event, where two guests have a fight, and one incurs serious injuries at the hand of a drunk person.
It’s vital that if your establishment 服务 alcohol, you protect yourself from potential financial losses by being covered with a liquor liability policy. 在上面的例子中, liquor liability insurance could help cover the bar’s legal costs, 法院的费用, and any civil or criminal damages awarded.
A good deal of alcohol-related liability claims filed against bars, 酒馆, and restaurants are a result of liquor-induced fights or altercations. 事实上, just escorting an unruly patron to the exit is frequently enough to trigger an assault and battery allegation. Along with coverage for these events, 诉讼费用, including the fees to retain an attorney and court costs, may also be covered under a liquor liability policy.
We specialize in covering local businesses like yours. We have what you need right here, including:
While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy tailored to you.
毕竟, there’s no such thing as a one-size-fits-all insurance policy when it comes to your business.
大发dafa888澳门 us today, and we'll help you protect what matters most.