Liquor Liability Insurance

There are many situations in which a business might be sued under liquor liability laws. A drunken patron may cause a car accident on his way home. A bar patron might suffer a broken arm as the result of a fight he was in as the result of the alcohol. A woman might claim that she has suffered mental damages as the result of alcohol produced by your brewery. But unfortunately, only around 35% of businesses that should have liquor liability insurance actually have it.

If you operate a business that sells, serves, manufactures, or provides alcohol to patrons or guests under a state license, a Liquor Liability policy should be part of your business insurance portfolio.

Liquor Liability insurance may be offered as an addition, or endorsement, to a commercial general liability insurance policy or as a separate, stand-alone policy. It can cover various risks and costs, depending on the coverage you choose, including: assault and battery liability; bodily injury; employee use liability; legal defense costs; mental, emotional, psychological damages; and property damage.

Establishments typically insured for liquor liability include breweries, caterers, restaurants, retail stores, taverns, tasting rooms, vineyards, and wholesale distributors.

Keep in mind that liquor liability insurance won’t cover your business for the sale or distribution of alcohol in violation of state law. At A.D. Martin Commercial Insurance, we’ll review your liquor policies and enforcement, your regulatory compliance, and your training of staff, among other things. If needed, we can make recommendations to improve your risk profile.

Responsibility is key in safeguarding your business.

A.D. Martin provides business insurance throughout the counties of Atlantic, Cape May, Gloucester, Salem, Cumberland, Camden and Burlington in New Jersey; New Castle County in Delaware; and Chester, Philadelphia and Delaware Counties in Pennsylvania.