Liquor Liability Insurance

ADCO General provides liquor liability insurance policies to its independent agents and brokers. The liquor liability insurance policies cover a wide variety of risks including, but not limited to: bars, taverns, gentlemen’s clubs, restaurants, night clubs, and special events. Most of our markets will package the liquor with the general liability.

Please link to the following articles on liquor liability insurance for more background and for links to PDF’s containing specific liquor liability insurance applications:

• Tavern Insurance for Restaurant Liquor Liability
• Liquor Liability Laws Drive Liquor Liability Insurance Requirements
• Liquor Liability Coverage of Bodily Injury and Property Damage
• Host Liquor Liability Insurance for Special Events
• Dram Shop Liability Insurance for Businesses Serving Liquor
• Bar Liability Insurance for Restaurants Serving Liquor

Obtaining adequate liquor liability insurance has become increasingly difficult and expensive in recent years. Any legal entity, be they an individual or a business, that serves alcoholic beverages is likely liable for the damages caused by those they serve if it can be proved that the individual served was already over-served or intoxicated. Damage awards include property damage and personal injury and the awards can easily run into the millions of dollars. Legal fees can be a substantial portion of the costs.

Understanding the legal liability incurred when serving alcohol, for a fee or for free, is the first step in securing the right amount of liquor liability insurance. Dram shop liability statutes vary by state and impact the size of awards and the statute of limitations. Importantly, preventative steps can be taken to lower the chances of damages and, at the same time, decrease the cost of liquor liability insurance.

See the discussions included in the following links for more background on liquor liability insurance related themes includingtavern insurance, liquor liability laws, liquor liability coverage, host liquor liability, dram shop liability and bar liability insurance.

Liquor liability insurance is needed to cover a huge exposure that can put your client out of business if they aren’t properly covered.  Our responsive underwriters and brokers will make sure your clients get the liquor liability insurance coverage they need in a timely manner.  Please contact ADCO General for a quote or any questions on liquor liability insurance.

Click Here To View a List of Our Liqour Liability Applications

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