What is a Liquor Liability Insurance Cover?

1. Property Damage: Protects against claims if an intoxicated customer damages someone else's property. This could include damage to vehicles, buildings, or personal belongings.

2. Bodily Injury: Covers medical expenses, legal fees, and settlements if a third party is injured as a result of alcohol served by your business. For example, if a customer causes an accident after leaving your establishment intoxicated, this coverage would apply.

3. Legal Defense Costs: Covers the cost of legal defense if your business is sued due to an alcohol-related incident, even if the claim is groundless. This includes attorney fees, court costs, and other related expenses.

4. Assault and Battery Coverage: Provides protection if a customer or employee becomes violent or causes harm due to alcohol consumption. This is especially important for businesses where altercations may occur, such as bars or nightclubs.

5. Coverage for Employees: If an employee serves alcohol that leads to a liability claim, this insurance will cover the costs. Some policies may also include coverage for employees who consume alcohol on the premises.

6. Damage to Reputation: Some policies may include coverage for reputational harm that your business might suffer as a result of a liability claim, though this is less common and often requires a specific endorsement.

7. Host Liquor Liability: For businesses or individuals that do not primarily sell alcohol but host events where alcohol is served (like a company party), this coverage protects against liability for alcohol-related incidents.

Each policy can vary in terms of what is covered, so it’s important to review specific policy details to ensure comprehensive protection tailored to the needs of your business.