Each business has its own insurance policy that may differ depending on their needs. There are insurance policies that address different liability levels, such as if they host events or if they employ seasonal or temporary workers. Bars and nightclubs may also require policy coverage that is different from that of restaurants. Here is some more information on customizing your liquor liability insurance policy:
Tailored Policies
Each business has different insurance requirements, which we will help you navigate, providing the right coverage for your needs. Dram shop laws affect any business that sells, serves, or allows alcohol on the premises. These laws hold businesses liable if they continue to serve a visually intoxicated person. Liquor legal liability coverage helps to cover various costs, such as legal fees and medical bills. Host liquor liability provides coverage for potential claims due to alcohol-related incidents, including potential lawsuits or injury claims. Our team will evaluate the hazards you may face at your business and provide liquor liability insurance coverage to meet your needs.
Event Coverage
You may need host liquor liability insurance even if your business is not a bar or restaurant. Wedding venues or event spaces can serve or allow alcohol during celebrations. If an intoxicated individual causes damage to the venue or gets into an altercation, your business may be held liable for their behavior. This is also true if they are involved in a motor vehicle accident due to driving under the influence.
Businesses may also need coverage for temporary workers during large-scale events. Bartenders, waiters, and servers could be full-time, part-time, or contract employees who represent your business. An insurance plan should include coverage for these workers for full policy protection.
State Regulations
Certain states require that your business has alcohol liability insurance for various coverage levels. Your liability insurance must be active to be able to distribute or allow alcohol within your business. These insurance certifications or liquor licenses may need to be displayed within your establishment to adhere to local laws and regulations.
Other requirements include a minimum amount of liquor-related incident coverage. This amount could be per occurrence or for the entire year of operation. Our skilled team members will gather the necessary information depending on your state and local ordinance. They can also provide additional details for multiple business locations across various states or municipalities.
Bundled Policies
We offer a variety of insurance coverage types, from general liability to business owner’s policy, which can be bundled with your alcohol liability insurance. This allows for a comprehensive coverage plan that addresses numerous areas of your business to protect your finances and assets. Our professional staff will assist you with evaluating the amount of coverage your business requires, as we frequently work with both small and large business types.
Learn More About Liquor Liability Insurance
At Tabak Insurance, we provide comprehensive insurance coverage for various businesses, including bars, nightclubs, and restaurants. Our experienced team members will help you find the right coverage for your specific needs according to state regulations. We also offer a convenient online quote form that you can fill out yourself. Contact us today to learn more about your insurance options.
