Tristate Business Insurance Blog

Liquor Liability Insurance is necessary to your business if your business in anyway deals with alcohol. If your business buys, sells, manufactures, distributes or sell alcohol you need liquor liability insurance. Different and separate from commercial insurance, liquor liability insurance protects your business against loss or damages as a result of claims against your business as a result of alcohol.

Usually, these claims are a result of customers who are “under the influence” and have either injured themselves, someone else or property.  Unfortunately, damages resulting from alcohol induced claims tend to be very high, and too often business do not have enough coverage. If you sell or manufacture alcohol, you are exposing yourself to high liability. You may need the additional coverage of liquor liability insurance, contact TriState Business Insurance.

When you own a restaurant, bar or nightclub, or any other business that deals in alcohol, you need liquor liability insurance. In the event of claims against your business, liquor liability insurance is insurance that protects your business against loss or damages.

Any business that deals with alcohol; whether that business manufactures, serves or sells it, liquor liability insurance is a must. Damages in suits that involve alcohol tend to be very high. This type of exposure to high liability can be very damaging to the financial security of your business. If your business serves or sells alcohol, be sure that you have the right amount of coverage.

Liquor liability coverage is available as a separate liability policy or as an add-on to your commercial liability insurance. Your standard liability coverage does not protect your business.

Virginia and Maryland are two of the few states that do not operate with Dram Shop Laws, while Washington, DC does, regardless of the laws in your state, Liquor Liability insurance is a must, contact TriState Business Insurance.

Restaurants, bars and taverns are no different than other business in their need for insurance coverage. However, the types of business insurance that restaurants and bars need is more comprehensive. Restaurants require business liability insurance, workers compensation, and a host of other commercial insurance needs.
 
It is important that while you invest your time and money in your business, you have the confidence that you are covered by your insurance in every scenario that can occur.

Your bar or restaurant needs comprehensive insurance that is tailored to your potential exposure and can protect you against all circumstances. From delivery drivers to liquor liability to assault and battery to property coverage TriState Business Insurance, consults with you on a wide-range of restaurant and bar-related coverage as well as the liability needs that are unique to your restaurant, bar, or tavern.

Contact us to see  how you and your business can be better protected.

The greatest risk for a bar or night club owner is the risk of a one size fits all insurance policy. As a bar or night club, there are certainly inherent risks that are unique to your industry.

Assault and battery, crime, and liquor liability are some of the risks you face. But when you stage live music, you have some even greater risks. Your insurance policy should be made for you with no excess, and no gaps, your business needs a comprehensive insurance solution that addresses your real risks.

Taverns, bars and night clubs need coverage for exposure due to live music. Contact TriState Business Insurance for the following:

• Musical instruments, entertainment equipment, sound and lighting, audio visual equipment, film and video equipment, insurance against accidental loss or damage, theft, and fire.
• Public liability for performers and bands and staff, concerts, corporate and private functions, dance parties, dance and drama schools and childrens entertainers.
• Event Cancellation, non-appearance and weather insurance.
• Personal accident insurance for entertainers, musicians and voluntary workers.