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Liquor Liability Insurance Quote Forms
Liquor Liability Insurance Information
Although alcoholic beverages may add to the enjoyment of your business’s customers, these products can also create or exacerbate many risks and exposures. After all, intoxicated parties are often more likely to engage in reckless or unpredictable behavior, which could trigger liability for your company. With these potential stakes in mind, your business should account for alcohol-related incidents by securing adequate liquor liability insurance.
What Is Liquor Liability Coverage?
As its name suggests, liquor liability insurance can provide critical financial protection from incidents involving alcohol for which your business bears responsibility. By purchasing this policy and maintaining it through regular premiums, your company may retain access to financial assistance capable of limiting out-of-pocket losses that might otherwise jeopardize your future growth and prospects.
What Does Liquor Liability Insurance Cover?
When your clients, customers or other guests become intoxicated, they may be involved in many potential incidents, including accidents and crimes. In some cases, your business could be sued for the actions of these parties, potentially leading to significant financial losses. Fortunately, liquor liability policies may include coverage for the following:
Who Needs Liquor Liability Coverage?
- Third-party bodily injuries—If a customer or other party to whom you serve alcohol becomes intoxicated and causes harm to someone else, such as in a fight or accident, this coverage may help insulate your organization from out-of-pocket losses.
- Third-party property damage—This coverage may help pay for damages caused by an intoxicated guest, such as if they crash their car into someone else’s property.
- Legal costs—Even if you’re eventually absolved of responsibility for a drunken patron’s actions, attorney fees and other legal expenses can rack up significant bills. Fortunately, liquor liability insurance may help absorb these costs.
All businesses that serve or otherwise distribute alcoholic beverages should consider liquor liability insurance a top priority. Intoxicated customers can cause significant losses for which you may be found legally responsible, and the resulting consequences could be devastating. Even the most experienced and diligent companies may eventually overserve someone or otherwise make an error that leads to liability for costly incidents.
Alcohol also does not need to be part of your business’s regular operations to make certain liquor liability coverage essential. For example, if your organization hosts an annual event, the presence of alcoholic beverages may make host liquor liability coverage a necessary precaution. Speak with your agent to learn more about this coverage, as similar protections may be available through general liability insurance.
Get the Right Coverage
With nearly 60 years of service to the Fort Lauderdale, Miami and Palm Beach areas, Bruening Insurance Agency has the knowledge and experience to help your organization secure optimal coverage. Visit our website or call 800-293-0131 to get started today.