Insurance Express: Liquor Liability Insurance for All of Alabama
Enjoying a beer or a glass of wine after a good day at the office or for a loved one’s birthday is a normal way to commemorate a special day. Often times, when a person thinks alcohol, they think celebration. The truth is if your business serves alcohol there could be risks involved. A single claim could ruin the business you’ve worked so hard to build.
So, how do you protect your company from the accidents that come with serving beer, wine, spirits or any other kind of alcohol? Enter Liquor Liability Insurance from Insurance Express.
What is Liquor Liability Insurance
At the highest level, this insurance protects a company that manufactures, sells or serves alcohol, against claims that occur when a patron drinks too much and injures himself or someone else.
Unfortunately, this means that if you sell alcohol or liquor on site, then you could be held liable for your patron’s actions and wrongdoings. The issue is, that alcohol can impair the judgement of the consumer and if your business is serving it, it’s important that you are prepared for what may happen next. Restaurants, clubs, taverns and bars that serve alcohol in any form, including wine, beer and spirits could end up footing the bill for damages done by an inebriated patron.
While it may seem unfair, your establishment could be sued if someone drinks at your location and then goes on to cause an accident, damage property or cause injury to themselves or others. Liquor Liability Insurance protects your business in the event of an incident; your standard insurance policy likely will not cover any alcohol-related incidents.
Liquor Liability Insurance Laws
There has always been a great deal of confusion about the need for liquor liability - even among insurance professionals. Liquor liability laws vary greatly by state, and insurance policy coverage options are often confusing.
Here are the basics:
“Dram Shop” Laws
This law holds alcoholic beverage servers financially liable for harm that visibly intoxicated individuals cause to other people, themselves, or property. These laws are established at the state level. They can apply not only to bars, liquor stores and restaurants, but also to social clubs and private events where liquor is served. Dram shop laws also include selling liquor without a license, selling liquor after hours, and selling liquor to minors
Liquor Legal Liability
This Insurance provides coverage for bodily injury or property damage for which you may become legally liable as the result of contributing to a person's intoxication. This coverage is provided by a separate policy and will only cover establishments 'in the business of' manufacturing, selling, distributing, or serving alcoholic beverages for a charge. This exposure is not covered under a general liability policy.
Host Liquor Liability Insurance Policies
This Insurance covers special events for businesses that elect to serve alcohol to their employees, prospects, and customers. This type of liability insurance is also needed by people and businesses serving or providing alcoholic beverages to customers, guests, or employees.
Why Your Alabama and Mississippi Business Needs Liquor Liability Insurance
The fact is if you sell alcohol you need Liquor Liability Insurance in Alabama. No matter if you are a grocery store or a bar it's vital that you carry Liquor Liability. The most important aspect of liquor liability insurance to keep in mind is that it is not included with most business policies.
This insurance covers you in the event of an accident, altercation or other event involving someone who was served alcohol at your establishment. While insurance will not prevent someone from filing a lawsuit against you, it will protect your assets if damages are awarded. Our agents at Insurance Express can help make sure your policy fully protects your business.
For a Free Quote on Liquor Liability Insurance, contact Insurance Express, LLC.
As an Alabama business owner, you’re not in control of your patrons, but you can take steps to protect yourself. The insurance experts at Insurance Express in Gilbertown, Alabama can help make sure your policy fully protects your business and have the know-how to answer any questions you may have. We proudly serve all of Alabama & Mississippi, with a primary focus on Choctaw, Washington, Marengo, Sumter and Clarke counties, including the cities of Gilbertown, Butler, Silas, Millry, Chatom.