If you run a business that serves, sells, or distributes alcohol, you face a higher chance that something will go wrong as opposed to a business that does not deal with alcohol. As we all know, alcohol reduces people’s inhibitions and makes it harder for them to think clearly. This can lead to more issues than usual with things like fights and property damage. This is why it is vital that you invest in liquor liability insurance for your business.
What Is Covered By Liquor Liability Insurance?
Liquor liability insurance can provide coverage for a variety of different alcohol-related claims. Some of the most common claims you can obtain coverage for are:
- Assult and battery: This coverage applies if a customer injures someone else after you served alcohol to them.
- Drunk driving: If a customer gets intoxicated, drives, and injures someone or causes property damage in the process, you are covered.
- Property damage: If a customer under the influence damages someone else’s property, this type of coverage will pick up the cost.
Does My Business Need Liquor Liability Insurance?
If your business makes, sells, distributes, or serves alcohol to customers, it is in your best interest to have liquor liability insurance. Some businesses that may need this type of insurance are:
- Liquor stores
- Grocery stores
Operating a business that deals with alcohol can present a lot of potential issues. Having liquor liability insurance can make all the difference.