Liquor Liability Insurance
Owning a restaurant and bar is a dream for many, but it comes with many risks. Not only are you responsible for the food that you prepare and serve, but some states hold you responsible for your patrons drunken behavior. Liquor liability insurance is a form of business insurance that protects you in case one or multiple customers become intoxicated and injure themselves or others. Often, if someone is injured in a DUI case and that customer was served at the restaurant that night, an investigation will be launched to see if they were over served. But this doesn’t just apply to restaurant and bar owners. Event organizers and locations, night clubs, and even personal events could be subject to liability for participant behavior and might need liquor liability insurance. No matter where you live, Green Peak insurance agents can help you find a liquor liability insurance policy that will provide the protection you need.
Consider the following scenarios where liquor liability insurance would come in handy:
- A customer leaves your bar, gets into a vehicle accident, and kills the other passenger. Their family can sue you.
- You hold a private event where liquor is being served and two individuals begin to fight. Serious injuries are sustained and they both sue you.
- A restaurant patron leaves after dinner and drinks and causes damage to public property. You could lose your license for giving him too many drinks.
There are many ways to prevent these incidents from occurring. The best way is to be proactive. Train your employees on the right kind of liquor pours and how to identify someone who is heading down a slippery slope. Consider partnering with a taxi service who can offer discounted rates to patrons to encourage responsible drinking. One of the easiest ways to protect your business? Simply purchase a liquor liability insurance policy with your business insurance. It’s easy with Green Peak Insurance, and we’ll keep doing everything we can to keep it that way.
Call us today for a free quote on liquor liability insurance.
