Legal Liability Insurance

$1,000,000 Monoline Liquor Legal Liability
Premiums Starting at $500.00

There has always been a lot of confusion about the need for liquor liability even among insurance professionals.  Liquor Liability laws vary greatly by state and insurance policy coverage options are often confusing. Here is some basic information dealing with the subject.  The most challenging  definition in the commercial general liability policy is coverage granted for Host Liquor Legal which is defined to cover organizations who are not “in the business” of selling alcohol. 

Simply stated, "dram shop" liquor liability applies to businesses that sell alcoholic beverages and liquor.  In most states, stores, restaurants and other businesses that provide alcoholic beverages as a service or commodity are required to carry liquor liability insurance, but there are still ways by which patrons can take legal action against the establishment from which they purchased and/or consumed alcohol.

In many cases, poor policies employed by store and restaurant owners and their employees create situations that prompt legal action by the consumer.  Examples include providing liquor in venues that are do not effectively regulate mandatory age restrictions, improperly trained staff, and owners and managers who provide liquor to individuals who may prove dangerous to themselves and other patrons as a result of their intoxication level.

If you operate any kind of business involved in the commercial sale or distribution of alcoholic spirits you need a Commercial Liquor Liability policy.  Liquor Legal liability insurance pays the damages for liability imposed upon you or your business by the law.  It also pays the cost of defending you when a claim is made against your policy.

Liability policies are designed to help protect you if you are sued by a third party who is injured or whose property is damaged.  A third party is generally someone who is not a family member or employee.  The policy covers defense costs and pays claims for which you are legally liable up to the policy limits.

If you have employees you should carry workman's compensation insurance as they are not covered under the general liability policy.  You should also make sure that any independent contractors or vendors that work with you show proof of their own liability insurance and ask that you be named as an Additional Insured on their policy. 

 

Defense costs for lawsuits are also provided in this coverage, whether substantial or groundless. Policy payments extend to the cost of bail bonds, interest on judgments against you and expenses you incur at our request to assist in your defense.

Our commercial  liability policy is designed to insure any type of  liquor related business including:

	Restaurants
	Bars & Taverns
	Special Events
	Casinos
	Sports Facilities & Complexes
	Catering Companies
	Liquor Stores
	Wineries
	Fraternal Organizations
	Distributors & Manufacturers
	Convenience Stores

Coverage is written on an occurrence basis (not claims made) through a domestic, A rated insurance company and tailored to fit your specific stable operations and budget.  

A standard commercial general liability policy excludes coverage for the sale of alcohol.  Please visit our Forms Sections and Reference Library for policy definitions, specific examples of litigation and court precedents that could apply to you.

HIGHLIGHTS:      

	A+ rated insurance company
	Occurrence Basis
	Up to $6 million liability limits
	Commercial liability applies in the U.S., U.S. territories and Canada.
	Employees are named as Additional Insured.
	Defense cost paid in excess of policy limit
	Extended coverage for Additional Insured.
	Independent contractors can be added to policy.
	Special Events coverage available
	Convenient payment options

Call 800.874.9191 for an immediate quote.

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