Things You Must Know About Liquor Liability Insurance

Posted by One West Insurance Services Inc on August 13th, 2019

Any person or establishment deals with, serving, or assisting in the sale, or use of liquor becomes a potential victim for liability claim due to the consequence of someone else getting a drunk caused injury or property damage. This claim also includes restaurants, bars, nightclubs, and other commercial places. Though practically the inebriated person will be the one who should pay, but according to the law the business provided or served that alcohol could be liable for injuries or damage caused as a result of that person getting drunk. Along with this, both results of actions, behaviors, or any misconduct done by the patron who drank too much will also go on the head of an alcohol provider. To avoid such a situation and protect your business from this, you need to have event liquor liability insurance.

What is liquor liability insurance?

To explain in simple words, liquor liability insurance offers coverage against claims arising due to liquor-related incidents.

These may include:

• On-the-job drinking by bartenders or other staff;
• Case of any violence between patrons or with the staff;
• Any accident caused by a person who consumed liquor either at your establishment or event

Any kind of sexual harassment happens during or after “official” office party or club gathering organized by you.

Liquor Liability Insurance is Not Only for Bars

Though bars are the most obvious place for liquor consumption, they are not the only type of establishment needed to consider liquor liability insurance. Moreover, even the liquor manufacturers and distributors hold some liability in certain cases. Along with this, we also suggest restaurants, social and fraternal clubs, liquor or convenience stores and even fundraiser events serving alcohol to get liquor liability insurance for a safer side.

How to get the liquor liability insurance?

Now when you know the importance and benefits of liability insurance. But, you also know how to get insurance to avoid facing any kind of claim in the future. The first thing you need to do is find the best company providing liability insurance to you against these claims. You need to research the entire market and find the best company offering the best coverage with a number of benefits. With this, you also need to compare the amount of cost they are asking and compare them to choose the best one among them.

Appropriate Preventative Measures You Must Take

Though investing in event liquor liability insurance provide you safety against those claims, but there are measures that you must take on your own. For example, the establishments must be proactive by limiting liquor-induced claims. It can also be done by training employees to refuse serving alcohol to patrons seems to be already intoxicated enough. Besides, also ask your staff to make sure that patrons seems to be out of senses suggest taking a taxi instead of driving.