Liquor Liability Insurance

Liquor Liability Insurance – What is it?

Coverage (typically required by law) that is offered for organizations that have a license to sell, manufactured, distribute or produce alcoholic spirits or liquor. Although patrons are responsible for the consumption of alcohol your company is still them one that provided somewhere along the line. This may eventually present you with a lawsuit from a patron assuming you are responsible for an accident or an event because of someone consuming your liquor. Having this insurance in place will cover the fees and costs that may arise because of a lawsuit or any litigation.

What may be covered with Liquor Liability Insurance?

• Costs that occurred from the court system
• Cost arisen from litigation fees
• Injuries, damages, assaults or accidents that were caused from inebriated patrons

Who should receive Liquor Liability Insurance?

Typically any organization that is manufacturing, producing, selling or distributing liquor is required this kind of insurance. Businesses commonly included are:

• Liquor Convenience stores and markets
• Hotels
• Stadiums and arenas
• Bars/travers
• Restaurants
• Nightclubs
• Fraternal organizations

This policy is one not to take lightly, if at any time you are involved with alcohol/liquor it is imperative to receive this coverage, whether it is temporary or permanent. Contact Miller Carlisle Insurance Services today to speak with a professional liquor liability insurance representative to have them assist you in understanding the best coverage options for your business. Do not regret not receiving this coverage, make sure to have everything lined up in the event of an accident or individual pressing charges against your company.