Liquor liability insurance covers claims that your business contributed to injuries or damage by selling or serving alcohol. It generally does not cover injuries to your own employees, which fall under workers’ compensation, damage to your own property, or intentional acts. Many policies exclude or limit assault and battery claims unless coverage is added, which is important for bars and nightclubs.
Related FAQs
If a claim is filed, contact your insurance provider immediately. They will guide you through the process, from documenting the incident to handling legal proceedings and settlements. ...
Yes, many insurance providers offer package policies that combine Liquor Liability Insurance with General Liability or Property Insurance, often at a discounted rate.
Premiums are based on several factors, including the type of business, the amount of alcohol sold, the hours of operation, and past claims history. Businesses with higher risks or ...
