If you’re a business that sells, serves, or distributes alcohol, you will want to know the ins and outs of Liquor Liability and Assault Battery Insurance.
What is Liquor Liability and Assault Battery Insurance?
Liquor Liability insurance helps protect businesses that sell, serve or distribute alcohol.
A type of business insurance, this can help cover claims of bodily injury or property damage that an intoxicated customer causes after a business serves them alcohol. This can be a standalone policy or added as an endorsement to general liability insurance coverage.
What is covered with Liquor Liability and Assault Battery Insurance?
If your business is sued, liquor liability insurance helps protect your business by covering:
For example, Liquor Liability insurance helps cover the costs of:
What should I be aware of when buying Liquor Liability insurance for my business?
Generally, liquor liability insurance cost is impacted by the percentage of your alcohol sales. For example, a bar will likely pay more for liquor liability coverage than a restaurant or grocery store.
The best way to find out how much Liquor Liability coverage costs for your business is to get a quote from a trusted insurance partner like Mainline Insurance. An insurance company uses different factors to determine the cost of liquor liability insurance. This can include your business’:
Who needs Liquor Liability insurance?
If your business makes, sells, distributes or serves alcohol to customers, it’s in your best interest to get liquor liability insurance. Some types of businesses that may need liquor liability coverage include:
How does Liquor Liability differ from General Liability insurance?
Liquor Liability coverage helps protect businesses that sell, make, or serve alcohol from claims of bodily injury or property damage. This can be added as an endorsement on your general liability insurance policy.
Even if you are not a business that does not sell or serve alcohol, it is still important to get Liquor Liability insurance if your business holds special events where liquor is served or consumed. Examples include a law firm hosting an annual holiday party where alcohol is served.
Get the Liquor Liability and Assault Battery Coverage You Need
Whether you are a brewery, grocery store, or accounting firm, it’s important to keep both your business, patrons, and employees protected from risk. Our team of insurance experts will help you determine the best plan for your business.