Liquor Liability Insurance

Liquor Liability Insurance

Any dram shop (an establishment that sells, serves, or assists in the purchase or use of liquor) is at risk of liability claims. These claims can arise when a person becomes intoxicated and causes personal injury or property damage. While it makes sense for the person who got drunk and caused the damage to be held liable, the business that served the alcohol can also be held liable, based upon the facts in the case.

Why Carry Liquor Liability Insurance?

Bars, restaurants, nightclubs, and taverns all need liquor liability coverage. Most states in the U.S. require any establishment that serves alcohol to carry this insurance. It helps protect the establishment from financial losses when a claim is filed, including legal fees, court costs, and damages.

Alcohol-related claims often arise when an inebriated person gets behind the wheel of a car and causes serious injuries or commits vehicular manslaughter. In such a case, the injured party or family of the deceased could sue the establishment that served the liquor for both civil and criminal damages.

Another scenario is when inebriated patrons get in a fight that results in serious injuries. The business that served the alcohol could be held liable for the actions of the alcohol-impaired patrons and the damage inflicted upon others. Our agent at Primos Auto Insurance, can help you ensure that your business is protected.

Cost of Liquor Liability Insurance

The cost of your liquor liability coverage will depend on the type and size of your business. Factors that affect your premium amounts include:

Policy limits
Type of coverage
Opening and closing hours
Capacity of your business space
Type of alcohol you sell or serve

Liquor liability insurance is usually less expensive as an add-on to a commercial liability policy. Our agent at Primos Auto Insurance can help you find the coverage you need and will seek out the best coverage at the lowest possible rates.

Request Your FREE Estimate

Let's Enjoy Our Services

Get an Appointment Today!

(888) 249-4966

Terms of Use
BEFORE USING THIS WEBSITE PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY.
We require that all visitors to our site adhere to the following terms and conditions. If you do not agree to the terms and conditions below, you should not access this site, or any pages therein. This website is not directed to children, although we may periodically advertise special products that may be appropriate for children. Parents of children interested in any of our products should contact us via phone, email or at our place of business.

Website Content and Links to Other Websites
We maintain this website to provide you with information about our products and services. For your convenience, we may also provide links to our related companies and/or various third parties that may be of interest to you. The links are provided solely to assist you in locating other useful information on the Internet. When you click on the links to third party sites, you will leave our website and will be redirected to another site. We do not control linked sites. The content on these sites may periodically change without notice. We make no representation or warranty regarding the accuracy of the information contained in linked sites. We suggest that you always verify the information obtained from linked sites before acting upon this information. We are not an agent for linked third parties nor do we endorse or guarantee their products and services. The products and services offered by external third parties are not products of this company. Also, please be aware that the security and privacy policies on linked sites may be different from our policies, so please read third party privacy and security policies closely. If you have any questions or concerns about the products and services offered on linked sites, please contact the third party directly.

Privacy
Any communication or material that you transmit to us via this site or through electronic mail will be considered confidential and may be used only by this company for the purposes described in our privacy notice. All information submitted to our website shall be considered and shall remain the property of this company; this information will only be used internally for the purpose intended or as allowed by law. If you need to communicate personal or confidential information, please do not use the email feature on this website, it may not be a secure email service. If you need to send us an email with personal or confidential information, please send us a confidential email through your email service provider. Merchants and other third parties on our website may collect personal information when you visit their websites or when you purchase their products. You should review the privacy policies of these third parties prior to the use of their websites and the purchase of their products and services.

Use of Information and Materials
Any and all information, materials, product offerings, services, terms, and conditions are subject to change without notice. Any dated information on this site is “As Of” its date only. We will use every reasonable effort to include accurate and up to date information on the site, but we make no warranties or representations as to the accuracy of the information. You may contact this financial institution to verify the accuracy of information. Not all products and services are available in all geographic areas. We reserve the right to determine your eligibility for any product or service.

Copyright Notices
This company owns copyright in the pages, screens, text, sound recordings, and images appearing at this site unless otherwise indicated.

Limitation of Liability
Because of the possibility of human, mechanical, and computer-related errors as well as other factors, this company is not responsible for any errors in or omissions from the information contained in or accessed through this website. All such information is provided “AS IS” to the user without express or implied warranties of any kind including the warranties of merchantability, non-infringement of intellectual property or fitness for any particular purpose. We are not responsible for any electronic virus or viruses that you may encounter. We encourage our customers to routinely scan their computers and diskettes using a reliable virus detection product to detect and remove any viruses. We will not be liable for any delay, difficulty in use, inaccuracy of information, malicious code, or other defects on this site, or for the incompatibility between this website and the files in your browser or other site accessing program. Nor will this company be liable for any other problems you experience due to causes beyond our control. Hyperlinks to other Internet resources are at your own risk. The content, accuracy, opinions expressed, and other links provided by these resources are not investigated, monitored, or endorsed by this company. No license to you is implied in these disclaimers, except as may be otherwise expressly provided by written agreement between you and this Financial Institution. This Financial Institution will under no circumstances be liable to you and/or any third party for any lost profits or lost opportunity, or any indirect, special, consequential, incidental or punitive damages whatsoever, arising in connection with this site or use thereof or inability to use by any party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus, line or system failure, even if financial institution has been advised of the possibility of such damages.

Governing Law
This agreement shall be governed by and construed in accordance with federal statutes and the laws of the state in which this company has its headquarters.