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Many claims against bars and restaurants result from fights.
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When written incorrectly, there can be important coverages left out and possibly major exclusions, leaving your business and personal finances at risk.Įnsure your policy includes 'Assault and Battery Coverage'. Insurance for bars, taverns, and night clubs require a more complex scope of coverages than your standard restaurant policy. Payments are limited to the limits of insurance and the insurance company's right and duty to defend ends when the limits are used up paying judgments and settlements. The insurance company also defends you against any suit that seeks damages but only if the coverage provided applies to the damages claimed. The liability must be imposed because of injury caused by someone to whom you sold, served, or furnished alcoholic beverages. The language of liquor liability insurance policies can vary, but in general - the insurance company agrees to pay amounts you become legally obligated to pay as damages because of liquor-related injury that this insurance covers. This coverage is provided by a separate policy and will only cover establishments 'in the business of' manufacturing, selling, distributing, or serving alcoholic beverages for a charge. This insurance provides coverage for bodily injury or property damage for which you may become legally liable as for causing or contributing to a person's intoxication, furnishing alcoholic beverages to persons under the legal drinking age or already under the influence of alcohol, or violating any statute, law, ordinance, or regulation with respect to selling, giving, distributing, or using alcoholic beverages. In addition, many insurance companies exclude liquor coverage by endorsement for any operation that regularly serves liquor on or off premises, even though they are not considered "in the business." If your business has a liquor exposure - Liquor Liability Coverage is a must. The Commercial General Liability Coverage Form specifically excludes liquor related losses if your business sells, manufactures, distributes, serves, or furnishes liquor. While the laws are different, most state that the owner of the liquor or alcoholic beverage business can be held liable for injury or damage an intoxicated person causes if the party that provided the liquor caused or contributed to the person's intoxication. Who has such liability and the extent of the liability varies from state to state and is based on dram shop, liquor control, or alcoholic beverage laws. Liquor liability is the vicarious liability of the entity who serves alcohol to a person for damages that the served person causes. What Does Liquor Legal Liability Insurance Cover?
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Most major events and entertainment hotspots that serve alcoholic beverages may be held responsible for the unlawful actions of intoxicated customers. What about the people who were serving them, though? Can they be held accountable for not cutting people off sooner? Can you hold them liable? In a legal case like an accident involving alcohol, the intoxicated person is usually held liable for their actions. It can even result in death from alcohol poisoning or a serious accident. Lead to you injuring yourself - or others. It can result in you saying something you don't mean.
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Everyone knows that too much booze is never a good thing. Liquor Liability Insurance Policy Information