Protections for Business That Serve Liquor

bar, liquor liability coverage

People around the world look forward to unwinding with their favorite beverage at the end of the day. Oftentimes, this means visiting one of the many establishments that provide beer, wine or cocktails. While the patrons of these businesses might be visiting to let loose, those running them do not have that same luxury. That’s why when alcohol is served in a restaurant, pub or bar, liquor liability coverage is a must.

Types of Venues That may Need Special Coverage

It is quite simple to determine the types of facilities that may require this type of specialized coverage. If alcohol is served as part of the business, this coverage plan is a must. Some of these types of venues include:

  • Restaurants
  • Jazz clubs
  • Sports bars
  • Nightclubs
  • Comedy clubs
  • Lounges
  • Adult clubs
  • Music venues

What To Look for in a Plan

It is likely that a standard insurance plan may not be enough, so it’s important to be sure that all needs are met when shopping around with different agencies. For those serving alcohol in any type of restaurant, entertainment venue or bar, liquor liability insurance plans may also need to cover:

  • Excess liability
  • Battery and assault
  • Completed operations and products
  • Liquor liability
  • General liability

While many enjoy recreational drinking, it is not without consequence. Plan ahead and be sure that the proper coverage plan is put in place to save money, time and stress during unforeseen events.