English/EspañolCall For A Quote | 540.778.1231
We specialize in workers compensation for any and all business types and sizes
 

Liquor Based Business Insurance


Liquor Based Business Insurance Information

Serving liquor to patrons is an innately risky activity. No matter how careful you are and how well-trained your staff is, you always run the risk of accidentally serving alcohol to an underage minor, or being sued when a patron of your establishment causes problems after having a drink.

Liquor liability insurance not only helps pay for the cost of defending yourself and your staff during a lawsuit, but it can also pay some or all of the claims (depending on policy limits and deductibles) if your establishment is held responsible.

While liquor liability insurance will not cover cases of willful neglect, it can be utilized for general liquor related claims received by bars, pubs, restaurants, and even for private events. Policies may be designed to include coverage to pay for additional damages to the patron, such as mental distress.

This policy doesn't just cover events that occur when your patrons leave your establishment, but can also cover events, including assaults and batteries, that occur within your bar or club. Policies can be tailored to meet the needs of your individual establishment so that your protection and premium is appropriate for your risk. For example, a restaurant serving wine with food may need different protection than a nightclub serving liquor and no food.

Policies feature a per incident limit as well as a per policy limit. The per policy limit is the aggregate limit for all incidents in the year while the per incident limit restricts the claims payable on each individual incident. Make sure to check the minimum requirements of your state before securing your coverage.

Instant Quote
Referrals
We love referrals! And thank you even more for your continued business.
Customer Service
Self policy service any time of the day, directly from our website.
Join Our Newsletter
Stay in touch with the latest events, news and offers we have.
From Our Blog From Our Customers
Read More Read More
Stay In Touch With Us Helpful Site Links Read the News
Sign up now to receive new and updates Stay up-to-date with the latest industry, community and agency news through our newscenter. We also provide handy hints on how to save on your insurance.

Read More
We have the expertise to find you the right coverage at the right price 
Powered by Insurance Website Builder