FAQ About Liquor Liability Insurance in Maitland, FL

For all businesses that serve alcohol, liquor liability insurance in Maitland, FL, is a necessity. If someone becomes intoxicated at your establishment and causes harm to another individual, that individual can hold your business accountable. If your business is later sued, liquor liability insurance can help pay for any associated costs and damages.

Q: What Does Liquor Liability Insurance in Maitland, FL, Cover?

A: This type of insurance covers four basic items:

  • Third-Party Bodily Injury: This occurs when a patron who became intoxicated at your place of business causes bodily harm to another as a result of their intoxication.
  • Third-Party Property Damage: This occurs when a patron who became intoxicated at your place of business vandalizes or otherwise damages a building or property that is not your own as a result of their intoxication.
  • Legal Costs: In the event of a lawsuit against your establishment, liquor liability insurance can help cover court costs, attorney fees, and settlements.
  • Additional Claims: Policies can be tailored to meet the needs of the establishment, and can include items such as assault and battery protection for bouncers, as well as liability protection against bartenders drinking on the job. Coverage can also be extended to more specific acts of violence as well as mental anguish.

Q: What Does Liquor Liability Insurance in Maitland, FL, Not Cover?

A: This type of insurance lacks coverage for three items:

  • Libel and Slander: These types of events are covered under general liability insurance, as long as the policy does not contain an exemption for alcohol-related claims.
  • Damage to Your Business Property: Even if an intoxicated customer causes the damage, damage to your establishment will not be covered. General commercial property insurance can help recoup costs associated with damaged or stolen property.
  • Underage Drinking: Incidents involving underage drinking will never be covered under insurance of any kind. However, you might have legal ground to stand on if the minor had an extremely realistic fake ID. Ensure that your bartenders are trained to always check for ID while keeping a watchful eye out for any fakes.