Who Needs Liquor Liability Insurance?
The term “liquor liability” refers to your legal and / or financial responsibility for the actions of people who consume alcohol – and the consequences of those actions.
Regardless of whether you are a small business owner or an individual, you can be sued if a person who became intoxicated at your establishment or event causes harm to others or damages their property. You are said to have liquor liability if you…
- Sell or distribute alcohol at your place of business.
- Allow patrons or guests to bring their own alcohol and consume it on your premises (i.e., you own a BYOB business).
- Serve alcohol at an event you’re hosting.
- Allow others to serve alcohol at your venue.
Think of a Liquor Liability Insurance policy as your last line of defense when you’re slapped with a lawsuit despite your best-laid risk management plans. If your business is sued for serving the intoxicated person that harmed a third party, you can rely on your policy to cover your…
- Lawyers’ fees.
- Damages arising from the liquor-related accident.
- Judgments or settlements.
- Other court expenses.
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You’ll want to invest in your own Liquor Liability policy if:
- You live in a state that requires Liquor Liability Insurance before you can sell or furnish alcohol to your customers.
- You sell or serve alcohol.
- You have a BYOB policy and patrons consume alcohol at your establishment.