Any business that sells or serves alcohol needs the protection offered by liquor liability insurance. Liquor liability coverage mitigate risks of lawsuits due to injuries or accidents caused by someone you’ve provided with alcohol. Businesses that would be deemed responsible for the intoxicated behaviour of their patrons include restaurants, bars, pubs, clubs, wineries, manufacturers of alcoholic beverages, and companies providing bar tending services.
Liquor liability insurance offers you or your business coverage when someone files a lawsuit against you for injuries or damages they caused to themselves or someone else as a result of being inebriated. Your business is responsible for your customer’s drunkenness, since you served them or sold them the alcoholic beverages. This specific type of insurance also covers special one-day events such as beer tents and corporate occasions.
Your business is simply at greater risk whenever serving or providing alcohol is involved. So you must play a more responsible role during this activity in order to prevent excessive drinking. Here are some examples of situations where your liability is increased:
If you’re not sure what protection your business already has for liquor liability situations, speak with a commercial insurance expert and put your mind at ease. For free advice and no-obligation quotes, contact Mitchell & Whale Insurance Brokers at 1-800-731-2228.