Are you wondering what liquor liability insurance is for? Welcome to the website that will help you gain all the information you need to understand what this type of insurance is, why you need it, and where to get the cheapest rates for the best overall insurance plans.
If you serve, sell, or even innocently offer alcohol as a host, then you should definitely think about getting alcohol liability insurance. Alcohol liability insurance may actually be a requirement, depending on your line of business or what state you reside in. When a liquor liability case is brought to trial, you might be surprised to find out that it's usually not the inebriated individual that ends up with the responsibility. In fact most juries will take the side of the victim(s) or inebriated person, even if they voluntarily accepted alcohol from you.
There are at least three major types of alcohol liability: Administrative, civil, and criminal. For detailed explanations on each of these forms of alcohol liability, visit our liquor liability website. But in brief, we will describe each one. Administrative liabilities involve breaking liquor license laws. If you serve or sell alcohol to a minor, fail to check id, or continue to give alcohol to an already intoxicated individual, you can lose your license. Civil liabilities are probably the messiest of the three and can involve lawsuits from the inebriated as well as those victimized or injured by the inebriated individual. Finally, criminal liabilities can mean the intoxicated individual injures or kills innocent bystanders after receiving alcohol from you.
Jurors will award victims of these liability cases anywhere from thousands to millions of dollars. Don't take chances in losing all of the assets that you've worked so hard to come by. There are several places to purchase alcohol liability insurance. But you might not recognize it under the name of liquor or alcohol liability insurance. It is also commonly referred to as Errors and Omissions, so don't forget to look it up that way. If you would like to buy your insurance from a company that specializes in these types of liability cases try C.E. Hollingsworth insurance brokers also known as PAL (Party Alcohol Liability). They provide protection specific to mainly civil liability cases.
If you are getting married and are planning to have alcohol at your wedding reception, you too might want to consider getting some coverage. WeddingGuard will also insure these types of concerns so you can have a safe wedding. But, besides and including them, you have to look into Canada to find providers that specialize alone in this type of liability
You're best bet for finding competitive rates for good liquor liability coverage is business.com. They are a great source to find the top insurance providers that can give you free quotes.
Check out our website devoted to professional and liability insurance if you'd like more general information on this subject. We also have a website that gives you insider details about the insurance industry that may help answer more questions you have.