Hospitality & Liquor Liability
Businesses that serve, sell, or support the purchase and/or use of liquor could be held liable in a claim resulting from an intoxicated individual. The liability exists when the injuries or property damage are a result of a patron getting intoxicated in your insureds establishment. The unfortunate reality is your insureds business could be held liable for the actions of the patron which may result in damages, injuries, or both. While it's logical to request the drunk patron pay the damages, it's likely the business serving the alcohol will almost always be included in the claim.
Our Hospitality and Liquor Liability products can help ease the legal concerns of your insureds, and provide the right coverage for the patrons that don't understand their own limits.
Target classes include:
- Bars & Restaurants
- Fine Dining
- Non-profit, Private, Fraternal, and Social Clubs
- Caterers
- Nightclubs
- Country Clubs
- Bowling Alleys
- Breweries
- Special Events
Coverage details or features:
- Bar and restaurants open 24/7
- BYOB restaurants
- New ventures
- Venues with major entertainment
- Prior losses or violations
- Drink specials, happy hours
- On-premises tastings
- Banquets, reunions, parties, and weddings
