Liquor liability insurance protects businesses that sell, serve, or distribute alcohol from legal and financial repercussions of alcohol-related incidents. This coverage is helpful to businesses like bars, restaurants, event halls, and liquor stores. Here are six unique situations covered by liquor liability insurance:
Intoxicated Customer Causing Property Damage
If a customer leaves a bar and does graffiti on a building or destroys furniture, the store that sold them the alcohol could be held legally responsible. Liquor liability insurance assists in paying for property damage and legal costs associated with such occurrences. This cuts down on expenses incurred by the business.
Physical Altercations Between Patrons
Alcohol can cause aggression, leading to increased cases of fighting. If a patron gets into a fight and causes harm to another customer, the establishment may be held responsible. Insurance coverage entails medical expenses, legal defense costs, and liability for personal injuries resulting from the actions of intoxicated patrons. You may be covered by insurance if you serve more alcohol to someone who is excessively drunk and exhibiting violent behavior, who then assaults someone.
Drunk Driving Accidents
Business premises owners can be held legally responsible if a customer who was under the influence of alcohol causes a drinking and driving incident after being served alcohol. Dram laws impose liability on establishments that serve alcohol to visibly intoxicated individuals. Encourage customers to have a company or friend drive them after drinking.
Underage Drinking Incidents
Any establishment that offers alcohol to minors, even if it was an accident, is subject to serious legal consequences such as fines and suspension of licenses. If an underage customer becomes a threat to themselves or others due to alcohol consumption, the business may be held accountable. Businesses should confirm that they have proper identification verification measures to minimize risks.
Sexual Harassment or Assault Claims
People under the influence of alcohol may act inappropriately, which may lead to harassment or assault charges. If a patron misbehaves with another guest or a staff employee, the business could be sued for negligence in confirming that the place is safe for everyone. Alcohol liability insurance covers any damages that may be awarded in the event of a lawsuit. There should be clear policies and staff training to avoid such occurrences in establishments.
Accidents Involving Intoxicated Guests
Alcohol consumption contributes to the likelihood of slip-and-fall incidents. If a guest falls while intoxicated and gets injured on business premises, they can seek legal action. They may allege that the conditions at the workplace were unsafe and posed a threat to their lives. Liquor liability insurance pays for medical expenses resulting from such claims. Businesses can minimize their liability by providing a safe environment, adequate lighting, and addressing hazards.
Get a Liquor Liability Insurance
Alcohol liability insurance safeguards alcohol-selling businesses from legal claims and financial damages. If you need alcohol liability insurance, you should contact a reputable company for the best and most complete coverage. Insurance companies offer specialized industry knowledge and customized insurance solutions to shield your business from legal and financial risks.