Same Day Coverage
Guaranteed Lowest Rates
Liquor Liability Insurance
Chicago Liquor Insurance Quotes & Rates
If your business will manufacture, sell, serve, or facilitate the use of alcohol, then you need liquor liability insurance. Liquor liability insurance is business insurance that protects your business against damages claimed as a result of a patron becoming intoxicated and injuring themselves or others.
Chicago liquor insurance is available for many types of businesses:
If you operate any kind of business involved in the commercial sale or distribution of alcoholic spirits you need a Liquor Liability Insurance policy. Liability policies are designed to help protect you if you are sued by a third party who is injured or whose property is damaged. A third party is generally someone who is not a family member or employee. The policy covers defense costs and pays claims for which you are legally liable.
Elements of Liquor Liability Insurance
Assault and Battery Coverage
Most claims against bars and restaurants are the results of fights. Your liquor liability policy should include coverage for assault and battery claims.
Defense Costs Included
The biggest cost facing your business in these types of claims is the cost of retaining a lawyer against frivolous claims. In many cases, poor policies employed by store and restaurant owners and their employees create situations that prompt legal action by the consumer. Examples include providing liquor in venues that are do not effectively regulate mandatory age restrictions, improperly trained staff, and owners and managers who provide liquor to individuals who may prove dangerous to themselves and other patrons as a result of their intoxication level.