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Liquor Liability Insurance
What You Need to Know
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:
- • Legal costs
- • Settlements or judgments
- • Repair costs to fix property damage
- • Medical bills from injury
For example, Liquor Liability insurance helps cover the costs of:
- • Assault and battery occurring after a customer you served alcohol to physically harms another person.
- • Drunk driving from an intoxicated person your business served or sold alcohol to that damages property or causes an accident that leaves another person with a bodily injury.
- • Property damage that an intoxicated person you served or sold alcohol to causes to another person’s belongings.
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’:
- • Industry: Certain industries are considered more risky, which can increase insurance rates.
- • Location: The state your business is in can impact insurance costs.
- • Coverage limits: The higher your policy’s limit is, the more you’ll pay for your insurance premium. It is also important to note that some states may require businesses to have a minimum amount of liquor liability coverage.
- • Liquor sales: Your business’ annual sales can impact your rate.
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:
- • Restaurants
- • Caterers
- • Liquor stores
- • Grocery stores
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.
Let Mainline Insurance help give you peace of mind as you go about working hard.