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Liquor Liability

Aylesford Liquor Liability Insurance

Do you need Liquor Liability Insurance?

Serving alcohol at a special event or owning a business that serves alcohol always involves an element of risk. Liquor liability insurance protects your company against loss or damages claimed as the result of a patron of your business becoming intoxicated and injuring themselves or others. If your business manufactures, sells, serves, or facilitates the use or purchase of alcohol, then you need liquor liability insurance coverage.

Aylesford Liquor Liability 101

There has always been a great deal of confusion about the need for liquor liability – even among insurance professionals. Liquor liability laws vary, and insurance policy coverage options are often confusing. Here is some basic information on the subject:

  • Liquor Legal Liability: provides coverage for bodily injury or property damage for which you may become legally liable as the result of contributing to a person’s intoxication. 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 exposure is not covered under a general liability policy.
  • Host Liquor Liability Insurance Policies: cover special events for businesses that elect to serve alcohol to their employees, prospects, and customers. This type of liability insurance is also needed by people and businesses serving or providing alcoholic beverages to customers, guests, or employees.

How can RIGL Russell Insurance Group Limited help?

Court decisions coupled with new statutes are holding vendors of alcoholic beverages increasingly responsible for damages under liquor liability laws. Nevertheless, liquor liability insurance continues to be a quiet – if not dwindling – market around the country.

RIGL Russell Insurance Group Limited makes your liquor liability insurance process as simple as possible. By filling out a simple online form, our expert agents will shop the market for you and get the best possible coverage and competitive premiums. We pride ourselves on taking care of our clients and their interests.

Get your quote today!

What are you waiting for? Simply complete the Protection Savings Form for a free, no-obligation liquor liability insurance quote. The sooner we receive your information, the sooner we will get you the best protection for your alcohol-serving situation. So don’t delay another minute – complete the form now.