If you own a bar, pub, or other establishment with a liquor license you know that you are in a unique situation. Your business is not like others; you have to be a part of different guidelines and expectations in order to keep your license. Because of this, regular insurance just will not cut it. You need specialized services that will work for you and your business.
Pubs, wineries, bars, and restaurants with liquor licenses are very different than other establishments. There are many different regulations and rules that they must follow in order to keep their doors and open and keep their liquor license. Whether you own a bar in the city, a lounge bar, and Irish pub, or an Italian restaurant that serves wine; you need specialized insurance to protect yourself, like Liquor Liability Insurance.
Why is Bar and Pub Insurance Different?
Why? Take into consideration for following situation: A man drinks several beers at your establishments and staggers out the door fairly intoxicated. Minutes later the man gets into his car and drives down the highway, causing an accident only miles from your establishment. Did you know that your establishment can actually take liability for that accident?
In fact, some bars, taverns, pubs, and restaurants have been sued in the past for intoxicated patrons causing accidents or property damage later in the night after leaving. Specialized insurance will help cover these types of accidents, something that regular insurance just cannot do. Yes, owning a bar can be a delightful experience, but being stuck with large claims is not. Protect yourself by finding the right insurance policy that can help you.