Liquor Liability Insurance

Liquor Liability coverage is specific protection for the insured that distributes sells, serves or furnishes alcoholic beverages as a business whereby damages or a loss is filed against the business as a result of a patron or customer of your business becoming intoxicated and injuring themselves or others . This coverage may be purchased as an add-on to a General Liability policy or purchased as a separate liability policy.

Host Liquor Liability

Host Liquor Liability is normally included within the General Liability coverage and it typically covers the insured who distributes alcohol at a company function or event whereby no money is collected for the alcohol served.

Liquor Liability may and should contain these specific protections:

• Assault and Battery Coverage
• Defense Costs
• Employees Covered as Patrons Included
• Damage Definition should include Mental Damages
• Potential Premium Discounts based on Safety Training of Employees, and Good Claims Experience

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