bartender making a cocktail

Why Bars Need Liquor Liability Insurance

When customers are under the influence of alcohol, their behavior can be unpredictable. Unforeseen events ranging from rowdiness to fights to injuries, there are plenty of negative incidents that can be sparked by alcohol consumption. Selling alcohol is a lucrative part of any bar or nightclub, and these businesses are smart to protect themselves from incurring liability and lawsuits with liquor liability insurance in Maitland, FL.

Who should carry this policy?

Most states require establishments that sell alcohol, such as bars and restaurants to carry liquor liability insurance. However, many business owners don’t realize that having a general commercial liability policy isn’t the same thing. Liquor liability insurance is typically is added as a policy endorsement. The cost of this add-on will depend on the size of the establishment and the number of persons to be served. Some businesses that require liquor liability insurance but may not be aware of it include:

  • Bars and Taverns
  • Social and fraternal clubs
  • Restaurants
  • Liquor Stores
  • Organizations Where Fundraisers Sell Alcohol
  • Grocery and Convenience S
  • Catering Companies

Remember, this coverage protects bars and nightclubs from being sued for accidents and injuries that intoxicated customers cause after being served at their establishments.  As this behavior is foreseeable, it’s just smart business.