General liability insurance policies protect an establishment from on-location incidents that could result in lawsuits by either employees or customers. Agents who work with companies that provide alcohol on-site need to be prepared to sell liquor liability plans as well.
Liquor liability is sometimes included in general liability coverage packages, but not always. If this coverage isn't added on or bought separately, the establishment does not have any form of liquor-related risk protection.
Liquor Liability Extends General Insurance Policies
There are a variety of options that should be considered when an agent sells liquor liability policies as part of a general insurance plan or an add-on, including:
- Coverage for both employees and customers
- Assault and battery coverage for fights at the location
- Options to cover employees as patrons even if it is against the rules to drink on the job
- Mental damage coverage
Some companies that should have a liquor liability insurance policy only take out a general plan and then pay the financial price when a lawsuit is filled. It is important to note that this type of insurance cannot protect a business against lawsuits related to illegal activity, such as sales to minors.
Wholesale brokers often provide help with financing general liability and liquor insurance policies. In some cases, the premium can be lowered if employees are given basic safety training. Adco General sells liquor and general liability insurance coverage and also provides financial options to agents' clients. Email Adco for a quote or to learn more about its offerings.
