As the owner of a bar, pub or tavern, you face liability risks on a daily basis. For this reason, it can be difficult to find an insurance company that is willing to stick their neck on the line to protect you. Liquor liability insurance programs are hard to come by, but by partnering with the right agency, you will find a program designed to protect your financial interests and reputation in the face of a lawsuit.
Though most people visit bars and taverns to have a good time, some take that good time too far and consume one too many alcoholic beverages. If they attempt to drive home on their own, they could cause a car accident in which they or the passengers of the other vehicle walk away with serious injuries or, worse yet, don’t walk away at all. If they attempt to walk home, they may still cause a car accident of find themselves in another dangerous situation. Unfortunately, when people get injured as the result of excessive alcohol consumption, liquor establishments are the first to get blamed.
Liquor liability insurance programs are there to help you cover the fees associated with liability lawsuits. From defense costs to investigation fees, and from settlement awards to costs related to business interruption, the right coverage will help you stay in good financial standing while a lawsuit is pending. Additionally, the right company will help you manage your risks and establish coverage aimed at making prevention and recovery easier.