Incorrect filing by adjuster
Virtually all commercial insurers use independent insurance adjusters today. This increases the chances that a claim will not be explained properly to the insurance company, which could lead to your claim being denied.
Our agency will meet the adjuster at your location and go through the entire process with them to ensure your claim is filed correctly.
Lack of Liquor Liability Coverage
A common misconception is that a general liability policy covers any liquor-related claims. From the moment a customer begins drinking alcohol at your establishment, any property damage or injuries that person causes while there (and possibly even after he or she leaves your establishment) would be excluded from a general liability claim.
This is why you need liquor liability coverage, which protects you against claims filed against you as a result of the actions or behavior of an intoxicated person. Examples of claims that may be covered by a liquor liability policy include (but are not limited to):