As St. Patrick’s Day and Spring Break approach, bars, restaurants, and event venues often
see an increase in crowds and alcohol sales. While these celebrations bring energy and
revenue, they can also increase the potential for alcohol-related incidents.
Liquor Liability Insurance is designed to protect businesses that serve or sell alcohol if a
claim arises involving a patron who consumed alcohol at their establishment and later
causes bodily injury or property damage. Importantly, coverage is not limited only to
situations involving overserving. Claims can arise from a variety of circumstances — even
when a business followed proper serving practices.
In fact, the most common Liquor Liability claims we see often involve slip and falls or auto
accidents occurring after someone had a drink at a business. This does not automatically
mean the individual was overserved. However, if alcohol consumption is alleged to have
contributed to the incident, the business that served the alcohol can still be named in a
lawsuit.
Liquor Liability policies typically require businesses to maintain responsible alcohol
service practices and procedures to help reduce risk. Having the proper coverage in place
before busy spring festivities is a proactive step that helps protect against legal fees,
settlements, and medical expenses if a claim occurs.
With the right coverage secured, business owners can focus on providing a safe and
enjoyable experience for customers — with greater confidence and peace of mind
throughout the season.
