What is Liquor Liability Insurance?
Liquor liability insurance protects a company that is in the business of manufacturing, selling or serving alcohol. Liquor liability insurance provides coverage for bodily injury or property damage cased by an intoxicated person who was served liquor by the policyholder, according to the Insurance Information Institute (I.I.I.). The breadth of liquor liability coverage varies by state because each state has its own interpretations and evidence requirements of who is legally liability in the event of an injury to a third party.
Who needs Liquor Liability Insurance?
The Insurance Service Office revised the liquor liability exclusion contained in its general liability forms to address “bring your own” alcohol establishments. The new exclusions now have an exception for insureds that are not considered to be “in the business of serving, selling or furnishing alcohol under the scope of the liquor liability exclusion simply be allowing someone to bring and consume their own alcohol on its own premises.” A company, whose primary business is not in the manufacturing, selling or serving alcohol who may decide to sponsor a social event where liquor will be served or provided, whether or not on their own premises should consider purchasing Host Liquor Liability Coverage, Host liquor liability coverage protects a business against claims or suits that arise from the incidental selling or serving of alcoholic beverages. It is designed to cover an insured’s liability as a social host. Some general liability policies automatically include host liquor liability coverage, others specifically exclude it. Businesses interested in knowing if they have it or not should ask their business insurance agent.
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Liquor Liability Insurance Specialists
SciTech Insurance Pros is a specialized Liquor Liability Insurance Agency located in San Antonio, Texas. We provide tailored insurance solutions to each and every one of our clients since we are an independent agency.
We serve San Antonio, Austin, and Dallas areas as well as throughout Texas, California, Washington, and many other states nationwide.
We provide specialized coverages such as Professional Liability Insurance, PCI Compliance Insurance, Product Liability Insurance, Technology Insurance, Clinical Trials Insurance, Cyber Insurance, Patent Insurance, and many more.
SciTech Insurance Pros is more than an insurance policy, we are your gateway for securing and protecting your Business. Call us at 210-545-5100
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Liquor Liability Claim Scenarios
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