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All About Liquor Liability Insurance

All About Liquor Liability Insurance
When you open up a business that serves alcohol, the last thing you want to think about is something unexpectedly going wrong. Your goal is to help people wind down and enjoy a few drinks with family or friends in a relaxed atmosphere. Unfortunately, when you serve alcohol to patrons, there is always the chance that someone could get overly intoxicated and cause trouble. Sometimes this trouble escalates to dangerous levels and can end with someone getting hurt or property getting damaged. When this happens, you as the business owner could be held liable for their bad decisions since your business served them alcohol. Liquor liability insurance can help you stay protected in these situations.

What Is Covered By Liquor Liability Insurance?

Liquor liability insurance can cover you in a variety of different situations. If a customer gets drunk and hurts someone else, you would normally be liable for their medical bills but luckily, liquor liability insurance can pick up the tab for you. This is also the case if someone damages property. Instead of you having to pay to repair or replace the damaged property, liquor liability insurance can cover it.

What Businesses Can Benefit From Liquor Liability Insurance?

Any business that serves alcohol should consider purchasing this type of insurance.  Some businesses that should have liquor liability insurance are:
  • Bars
  • Taverns
  • Nightclubs
  • Breweries
Running a business that serves alcohol can be risky. Liquor liability insurance can help protect you from messy situations.