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Liquor Liability

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The Value of Pouring Liquor Liability Coverage

Product Overview

Whether you own a restaurant, bar, nightclub, or any other business selling or serving alcoholic beverages, liquor liability insurance is a critical investment. Without the protection administered by a liquor liability policy, your business can be held liable for damages or injuries instituted by intoxicated patrons.

From fights to auto accidents, large monetary loss for your business can stem from the actions of others. With a liquor liability policy in place, however, your business can remain protected against liability lawsuits stemming from personal injuries and property damages.

Resources

Download Liquor Liability Insurance resources.

Ever Consider, ‘Is Liquor Liability Insurance Available Near Me?’

Our agents specialize in partnering with establishments selling or serving alcohol in the Denver area, as well as throughout the state of Colorado. Hosting a special event? Liquor liability coverage can also be purchased on a one-off basis for weddings, fundraisers, reunions, or other events.

From breweries and wineries to bowling alleys and nightclubs, we are aware of the risks relevant to professionals in the industry. If you’re interested in pouring protection for your business, please contact us or request a quote.

At Prince Insurance Group, we are proud to write bar insurance in Wheat Ridge, Denver, Lakewood, Thornton, Arvada, and Broomfield, CO. We are licensed to administer coverage in a selection of states, including Colorado, Nebraska, Montana, Utah, California, Arizona, Kansas, and we are continually adding states.

Pouring the Accurate Amount of Coverage for Colorado Bar Owners​

The recipe to run successful bar consists of mixing passion and profitability. It is a concept Colorado bar owners understand all too well. At Prince Insurance Group, we are enthusiastic to tap into this industry, brewing adequate and affordable insurance packages for bars, taverns, and brewpubs.

Some of the bar insurance coverage options on the menu include, but are not limited to:

  • Liquor Liability
  • Assault and Battery
  • Special Event Liability
  • Equipment Breakdown
  • Cyber Liability
  • Crime Insurance
  • Employment Practices Liability Insurance (EPLI)
  • General Liability
  • Property Insurance
  • Business Income

 

Benefits

Prince Insurance Group helps find the right insurance for you and your needs.

Affordable

Our team works with you to find the most affordable options for your situation.

Flexible Options

Our products are flexible and we work to find insurance specific to your needs

Unbeatable Service

We are just a phone call away throughout our entire relationship.

Common questions about Liquor Liability Insurance

Get quick answers to some of the most asked questions about liquor liability insurance. If you have additional questions, please contact us.  

Liquor Liability Insurance: what else will it protect my business from?

Liquor liability insurance will keep you protected from much more than patrons that leave your establishment in worse shape than they were when they entered it.
Here are some other aspects to keep in mind when you are trying to decide what your liquor liability policy should cover:

  • Protection from claims involving assault and battery – restaurants and bars often have to deal with fights breaking out in their establishments. If the liquor liability insurance you have does not cover assault and battery, then you’ll be able to buy back that coverage. Odds are pretty good that you will need it more than other types of coverage.
  • Defense costs coverage – defense of a claim involving liquor liability won’t be cheap. Making sure a lawyer’s fees are covered without the policy limitation will give you sufficient room for damage coverage.
  • Staff as patrons – because of the business’ nature, some staff may consume alcohol while working, even though they probably don’t have permission to. Ensure that the current liability insurance you have provides enough coverage for staff.
  • Mental injuries – many injuries don’t involve physicality. Someone may make a claim about suffering some kind of emotional damage like anxiety, stress, or anguish. Not all policies will cover this. Therefore, you’ll need to make sure that yours will.

Why is it needed?

If your place of business served a patron that later drove under the influence, and sustained an accident involving the death of someone, then the family of the victim could potentially sue your business (or you) for damages. An argument would be made by their attorneys that you hold some responsibility for serving alcohol to somebody that was clearly inebriated.
Unfair as this may seem, this law is prevalent in 38 American states under the term “Dram Shop.” You can legally hold a restaurant or bar liable if they serve an individual whose actions resulted in the injury or death of somebody else. As such, if liquor liability insurance is something you have, then its policy will cover damage, penalties, court costs, and legal fees.

To put it another way, if you’re a homeowner, you might not be crazy about paying a lot of the expenses associated with homeowner’s insurance policies. However, it is much better to be covered by it just in case you get sued by somebody who sustains an injury in your home. Medical coverage and liability protection written into a homeowner’s policy can cover expenses resulting from that guest’s injury. Liquor liability insurance works the very same way, in this case

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