noviembre 6, 2024
Dorsal Insurance
Liquor Liability Insurance In Florida
Shaken, but not stirred. Liquor liability coverage helps protect you from the risks associated with serving alcohol.
Injuries
An intoxicated customer knocks another patron to the ground. She breaks her wrist in the fall and sues your business for the medical expenses.
Property damage
A drunk patron trips and spills red wine on some other guests, ruining their designer clothing.
Legal fees & medical payments
A customer gets in an accident on the way home that seriously injures the other driver. Your business can be held liable if the driver was over the limit.
Everything you need to know about Liquor Liability insurance:
What is Liquor Liability insurance?
Liquor liability insurance helps protect businesses that manufacture, sell and serve alcohol. It’s designed to cover losses resulting from intoxicated guests. These losses include:
- Legal costs
- Lawsuit settlements
- Repairs to fix property damage
- Medical expenses related to injuries
For example, say there is a tipsy customer at your restaurant. While on their way to the bathroom, they accidentally knock another patron to the ground. The guest who fell breaks their wrist and decides to sue your business to cover the medical costs.
Liquor liability insurance can help by paying for the medical bills and any associated legal fees. Generally, liquor liability insurance covers:
Property damage. A tipsy patron excitedly sloshes their red wine while telling a story at your restaurant’s bar area. Unfortunately, the wine lands on another patron’s new $900 designer shoes.
Slips and falls. An intoxicated patron injures themselves or another guest at your business.
Bodily injury. A group comes to celebrate a friend’s birthday with dinner and drinks. They don’t seem intoxicated as they leave, but they get in an accident on the way home that seriously injures the other driver. Your business can be held liable for the damages if the driver was over the limit.
Host Liquor Liability vs. Liquor Liability
Host liquor liability insurance comes up a lot in context with liquor liability. While there are overlapping coverages, host liquor liability is a short-term, but ultimately a different type of policy than liquor liability.
This insurance is designed for a person or company hosting private events such as weddings or corporate events. Many hosts don’t realize that they could be held liable for their guest’s actions by providing alcohol at these special events.
Host liquor liability coverage doesn’t cover businesses that manufacture, serve or sell alcohol as part of their operations. It’s more for businesses that allow alcohol consumption on their premises temporarily.
Typically, it can be purchased by event or for short, temporary durations on the premises.
Call Dorsal Insurance today for a quote at 786.601.2485
Categories: Blog