Liquor Liability Insurance

//Liquor Liability Insurance
2503, 2016

3 of the Most Notable Recent Liquor Liability Insurance Lawsuits in Texas

By |March 25th, 2016|Liquor Liability Insurance, News And Events|0 Comments

If you run a bar, nightclub, tavern or other type of alcohol-serving restaurant in the state of Texas (or really anywhere in the U.S.) it’s highly recommended that you carry liquor liability insurance for your establishment. Specifically, a liquor liability policy covers legal fees and court costs for most alcohol-induced incidents that occur at your business in the event that you’re sued or found liable of some sort of altercation. These three recent liquor liability insurance lawsuits in Texas can serve as a great reminder as to why it’s so important to get insurance for bars, restaurants, and even events.

In the state of Texas, it’s not mandatory for alcohol-serving establishments to carry a liquor liability policy. While some establishments may be OK with gambling that they’ll never be roped into a court case, the old adage “better safe than sorry” is a fantastic reason for many bars to purchase a liquor liability policy.

For instance, if […]

103, 2016

5 Tips on Insurance for Bars in Texas

By |March 1st, 2016|Bar & Tavern Insurance, Bar Insurance, Liquor Liability Insurance, News And Events|0 Comments

Owning your own bar or tavern in the “Lonestar State” can be a very rewarding – and a very lucrative – situation. And while mingling with customers, joining in the joy or heartbreak of your patrons based on how the big game ended and seeing new promotions or incentives pay off in sales can be satisfying, owning a bar isn’t all just fun and games. Insurance for bars can seem a little overwhelming, but it doesn’t have to be!

Yes, there’s a certain amount of risk associated with bar ownership that you have to be aware of also. Thankfully, your insurance coverage can eliminate much of this risk – but there are a lot of different aspects of coverage that you need to be mindful of when it comes to insuring your bar. Failure to have a certain type of coverage, for instance, can really come back to bite you.

In order […]

1802, 2016

Dram Shop Bill Requiring Liquor Liability for Texans

By |February 18th, 2016|Liquor Liability Insurance, News And Events|0 Comments

Do you operate an establishment in the state of Texas? Does the majority of your entity’s revenue come from alcohol sales? If you’ve answered “yes” to both of these questions, then you’d be required by law to acquire a liquor liability insurance policy – that is, should a bill proposed by Texas state representative Chris Turner be signed into law.

House Bill 409, which has been nicknamed the “dram shop bill,” was originally proposed by Turner in 2013, again in 2015 and was more recently re-filed for consideration in early 2016. According to a report from Claims Journal, the bill was originally proposed following a 2-year-old’s eventual death when the car he was riding in was hit by a drunk driver who had been over-served at a local watering hole. However, what may soon become mandatory for many restaurants in the state of Texas should serve as a stern reminder for restaurants, […]

102, 2016

Insurance Policy Checkup: Is Your Restaurant Covered?

By |February 1st, 2016|Bar & Tavern Insurance, Bar Insurance, Liquor Liability Insurance, Pub Insurance, Restaurant Insurance, Special Event Liability|0 Comments

The right insurance policy may not always be fun to pay for, but it’s essential when it comes to protecting your property – or in this case, your business. Yes, when it comes to safeguarding your restaurant, there are a lot of different factors that you have to consider. This is especially true if your restaurant also includes a bar or serves alcohol. On that note, it’s always good to give your business a regular checkup to make sure that you’re covered to the extent that you should be. Read on for more information about the coverage that you can’t afford not to have if your business meets certain criteria.
Insurance Policy Must-Haves
If there’s one type of insurance that you want to make absolutely sure your restaurant has, it’s general liability. Specifically, general liability protects your business from both known and unknown risks. With general liability insurance, things like lawsuits resulting from […]

2001, 2016

The Liquor Liability Dice Roll You’re Missing

By |January 20th, 2016|Liquor Liability Insurance|0 Comments

If you operate a bar or restaurant where adult beverages are served, you’re likely well aware of the risks you face – specifically, the risks that are tied to the alcohol that you sell. To review, alcohol affects the brain by interfering with its communication pathways, thereby potentially causing changes in mood, behavior and a lack of coordination among those who consume it. Now, that’s not to say that there’s nothing wrong with having a drink or two, but when one’s drinking gets out of hand, so does the likelihood that something can go awry. We’re talking about bar fights, injury and property damage.

And if something goes awry inside your establishment and you’re roped into an alcohol-related lawsuit over the incident, you could be forced to pay thousands of dollars out of pocket in court and attorney fees. That is, of course, unless you’re properly covered with Liquor Liability Insurance.
What […]

312, 2015

Host Liquor Liability vs. Full Liquor Liability Insurance

By |December 3rd, 2015|Liquor Liability Insurance, News And Events|0 Comments

Ever wondered who’s responsible for the liquored-up actions of a restaurant patron, partygoer or wedding guest? Have you ever been in the somewhat uncomfortable position of serving alcohol to a wide variety of people, and not been quite sure whether or not it was a “safe” thing for you to do? Do you wish you could throw a fête without worrying about what will happen afterward?

These are common questions for executives, owners or others who want to wine and dine a crowd, but would rather not be held liable for the fender-benders (or worse) that could take place afterward. Ditto heads of establishments that serve alcohol on a regular basis. And who can blame them?

The good news is, there’s an insurance for that. If you don’t want to be responsible for property damage or bodily harm resulting from inebriation, host liquor liability insurance and full liquor liability insurance can help […]

503, 2015

Does Standard Restaurant Insurance Cover Alchohol Related Accidents?

By |March 5th, 2015|Liquor Liability Insurance, News And Events, Restaurant Insurance|0 Comments

Does Standard Restaurant Insurance Cover Alcohol-Related Accidents?

 

Picture this scenario. You own a restaurant. One night, a few guys come in for dinner and have a few drinks at your establishment. After enjoying some good food and strong drinks, they leave for the night. On the way home, one of those guys who is driving crashes his vehicle and causes a deadly accident. Guess who could possibly be held responsible for the damage? Your restaurant.

Dram shop laws were put in place to keep establishments that serve alcohol to patrons responsible accountable for any injuries, damages, or even deaths caused by intoxicated patrons. These laws can be enforced through civil lawsuits, and DUI victims and their families can sue alcohol-serving establishments for monetary damages. These lawsuits can result in huge financial payouts. For example, in one case back in 1999, a New Jersey jury awarded the family of a girl who was […]

2101, 2015

5 More Reasons Your Establishment Needs Liquor Liability Insurance ASAP

By |January 21st, 2015|Liquor Liability Insurance, News And Events|0 Comments

If your bar or restaurant is one of the many rolling the dice by not having a liquor liability insurance policy, listen up. Every moment you go without liquor liability coverage is a moment where your entire business is on the line and could be taken away in the blink of an eye. Accidents can happen at any time without warning, and if an intoxicated patron harms himself or someone else, your business can face an enormous lawsuit. With that in mind, here are 5 more reasons your establishment needs liquor liability insurance immediately.
 1. It only takes one incident to bankrupt your business
As we said earlier, accidents can happen at any time. A patron who has had a little too much to drink could assault another customer or, even worse, get behind the wheel and cause a deadly accident. Without liquor liability coverage, your business could get sued to the […]

410, 2014

How Do I Get Liquor Liability Insurance?

By |October 4th, 2014|Liquor Liability Insurance|0 Comments

 

Fact: If you own a business that serves alcohol, you need liquor liability insurance. That goes for bars, taverns, pubs, nightclubs, restaurants, brewpubs, and any other establishment that serves alcohol to patrons.

Liquor liability insurance is the only coverage that will protect you against a huge lawsuit resulting from a customer getting intoxicated and causing harm to himself or others.

Without liquor liability insurance, you run the risk of getting sued to the tune of tens of thousands or even millions of dollars.

Unfortunately, it’s estimated that only 1/3 of all establishments that should have liquor liability insurance actually have the coverage.

Some avoid purchasing this coverage because it can be costly, but it’s more than worth its cost in the value and protection it offers your business. Others don’t have liquor liability insurance simply because they don’t know how to get it.

Shopping for liquor liability insurance in Texas isn’t complicated. Here are a […]

210, 2014

Insurance Tips for Liquor Liability Business

By |October 2nd, 2014|Liquor Liability Insurance|0 Comments

 

As the owner of a business or the host of an event that serves alcohol, you’ve undoubtedly heard the horror stories that come with being held legally responsible for the actions of intoxicated patrons.

A customer who has a little too much to drink isn’t just dangerous to himself and those around him; he’s also dangerous to your business and your livelihood.

If he causes harm to himself or someone else, your business could get sued for dram shop liability, and the costly court battles that follow could leave you bankrupt.

Liquor liability insurance will protect your business against lawsuits resulting from dram shop liability. All it takes is one incident to make your liquor liability coverage more than worth the cost.

Of course, just having liquor liability insurance isn’t the only step you need to take to protect your business.

That’s why it’s so important that any business serving alcohol get liquor liability insurance […]

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