Liquor Liability Coverage of Bodily Injury and Property Damage

Adco General provides liquor liability coverage policies to protect owners of bars, taverns, restaurants, night clubs and businesses and individuals serving liquor at special events. coverage may be included with the general liability, but it may be deemed appropriate to write separate liquor liability coverage to cover specific risks.

• Link to Application for Liquor Liability from United States Liability Insurance Group which is a Berkshire Hathaway Company

Liquor liability coverage is needed by businesses to protect against loss or damages resulting from a person served alcohol by your business. Liquor liability coverage is for both bodily injury and physical damage claims. Businesses and individuals that manufacture, sell, serve, or facilitate the use or purchase of alcohol need liquor liability coverage and this  coverage may be needed whether or not the alcohol served is charged for.

Liquor liability coverage protects people liable to pay for physical damage or bodily injury claims associated with the intoxication of any person served alcohol by the business. Most liquor liability coverage, however, excludes people served alcohol by the business that are under 21 years old. Care must be taken to make sure that minors are not served alcohol by the business. In addition, liquor liability coverage may insure against expenses due to the violation of liquor-related laws governing the distribution of beverage containing alcohol.
Your commercial liability policy may include liquor liability coverage with an add-on or a separate liability policy may be required. Remember: if extra liquor liability coverage is not purchased, standard liability policies typically DO NOT protect your business against these potentially very-expensive claims.

In addition, liquor liability coverage can be expensive. This expense varies with the businesses’ location because laws and claims experience dictate the anticipated loss experience. Possibly due to the expensive nature of liquor liability insurance, experts estimate that just 2/3’s of the businesses that need liquor liability coverage get it. Effected businesses should consult ADCO General’s knowledgeable insurance brokers and independent agents before electing to serve alcohol.

Liquor liability coverage should protect against variety of risks associated with serving alcohol. The most frequent alcohol-related claims are associated with the bodily injury and physical damage from assault and battery activity. Any one who has seen a bar fight in a movie can imagine what these expenses are for. Attorney fees are the largest expense associated with liquor liability insurance and care should be taken to make sure the majority defense costs are not excluded.

Comprehensive liquor liability coverage should include both patrons and employees as both are likely to drink if alcohol is served. In addition to bodily injury and physical damage, strong coverage includes non-physical damage claims for things like Post Traumatic Stress (PTS) and mental anguish. Look for reduced premiums from leading providers of liquor liability coverage for training your staff on safely serving liquor and for maintaining a low claims history.

Liquor liability coverage is needed to prevent liquor-related catastrophic events from potentially terminating your business. Please contact ADCO General with any questions you might have regarding liquor liability coverage or for a quote.

• Link to Application for Liquor Liability from United States Liability Insurance Group which is a Berkshire Hathaway Company

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