Are you in the food and beverage, entertainment business, or involved in the manufacture, sales, services or purchase of alcohol? If so, then you should seriously consider liquor liability insurance to protect you from claims as a result of customers becoming intoxicated and injuring themselves or others. Be aware that your standard general liability policies typically do not protect your business from these specific types of claims.
A properly constructed liquor liability insurance policy covers damages stemming from assault and battery, legal defense costs and even employees drinking on the job. Policies can be extended to cover frivolous “mental damages” claims and also can be set up to reduce premiums based on periods of no claims as well as completion of ongoing safety training. Ask your Bubela agent about all the details pertaining to comprehensive liquor liability coverage.