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April 21, 2023
Dorsal Insurance

Liquor Liability Insurance

What Is Liquor Liability Insurance?

Liquor liability insurance, is a liability insurance plan designed to protect businesses from the risks of selling, serving, and furnishing alcohol. Risks can include a customer imbibing too much alcohol, driving away, and then getting into an accident that results in extensive injury. Claims and risks such as these can result in tens of thousands of dollars in expenses and fees. Expenses and fees that you could have to pay entirely out-of-pocket, without liquor liability insurance., you could have to pay entirely out-of-pocket.

Do I Need Liquor Liability Insurance?

Yes. In many states, businesses whose services include selling, serving or furnishing alcohol are required by law to have liquor liability insurance. Even if your state does not require insurance, it is still an immensely important part of protecting your business from claims.

Alcohol-serving businesses face a unique set of liability risks. If your business—or an individual you served alcohol to—causes or is involved in an accident, it could cost you hundreds of thousands of dollars or more in fees, bills, and other expenses. That is why you need liquor liability insurance, which can mitigate—and in some cases eliminate—the costs of alcohol-related and other liability accidents.

What Does Liquor Liability Insurance Cover?

Liquor liability insurance covers alcohol-related claims. These claims involve customers who become too intoxicated and create accidents. Liquor-related claims can be particularly costly, especially in cases concerning death or serious injury. That’s where liquor liability insurance comes in. It can protect your business by covering the out-of-pocket costs you may otherwise be required to pay, allowing you to focus on growing your business.

If an individual you served alcohol to went on to cause or be involved in an accident, especially if they are a minor and visibly intoxicated person, your business could be held liable to pay for the damages—including bodily injuries, property damages, and more.

Call Dorsal Insurance today for a quote at 786.601.2485

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