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.

 

  • Host Liquor: Provides protection for businesses against bodily injury or property damage suits brought by parties injured as a result of an intoxicated guest who was served alcohol at an event you hosted. Host liquor liability is a coverage that is included under the commercial general liability policy for those businesses not  'in the business of'  serving, manufacturing, distributing, selling, serving or providing alcohol.
     
  • Liquor Legal Liability: Provides coverage for bodily injury or property damage for which you may become legally liable as a result of contributing to a person's intoxication. This coverage is provided by a separate policy and will only cover insureds 'in the business of' manufacturing, selling, distributing, serving alcoholic beverages for charge or no charge if a license is required for the activity. This exposure is not covered under the general liability policy.
 
 

Policy Features

Full Occurrence Form  
Primary Limits: $300,000 to $1,000,000 each occurrence
Aggregate Limits: One or two times each occurrence
Defense Costs Unlimited

Excess Limits

To $5,000,000

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

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

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

 

In a rush?     

Call 800.874.9191 for an immediate quote.

 


Click above for On-Line Quote

Please call or email us for a no obligation insurance quote today.  We can often give you a quote right on the phone while you wait.  You can also download our application in Adobe pdf format (v 5.0) to save time. 

Please click here to get a copy of our          

   

  

 


Home  | Allen Financial |  Equestrian Group | Am Equestrian Am Recreation |  Site Map ]

Contact Information:
 
     

Phoenix, AZ  -  Home Office (602) 992-1570   Toll Free (800) 874-9191
Del Mar, CA (619) 866-4482   Portland, OR  (503) 608-4820
FAX (602) 992-8327   FAX 2 (480) 452-0593
 
Mailing Address:  12424 N. 32nd Street #101  Phoenix, AZ   85032    
     
General Information: ballen@eqgroup.com    Entertainment: entertainment@eqgroup.com
Customer Service: mpallante@eqgroup.com Mortality: jpetersen@eqgroup.com

Webmaster: ballen@eqgroup.com