Bar Liability Insurance for Restaurants Serving Liquor

Adco General provides bar liability insurance policies to cover liquor liability for restaurants, bars and taverns. Bar liability insurance is for businesses providing alcohol to people. Obtaining this bar liability coverage cost-effectively requires careful planning before the purchase and consistent follow-up to manage the risks. Bars can limit the liquor liability insurance expense by selling enough food to represent more than 50% of gross receipts. A clear understanding of your state’s dram shop liability laws should drive both the liquor liability coverage needed and the preventative actions that should go in tandem.

• Link to Restaurant/Tavern Questionnaire from Capitol Indemnity

Bar liability insurance is likely to be costly but it is critical for protecting the businesses viability. Injuries to customers or to others by customers or employees can threaten the very existence of the business. Solid bar liability insurance provides for legal expense and pays for adverse judgments.  Many insurance companies that provide bar liability insurance make it their business to help prevent losses. They do so by giving guidance on running a safe operation. Following their recommendations can help reduce premiums. Bar owners should look at getting umbrella coverage on top of the bar liability insurance policy.

Bar liability insurance covering liquor liability is needed to prevent worst case scenarios which can close businesses. ADCO General’s  underwriters ensure that your clients can get the bar liability insurance required to protect their assets.  Please contact ADCO General for a quote on bar liability insurance.

• Link to Restaurant/Tavern Questionnaire from Capitol Indemnity

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