If you’re an owner of an establishment that sells or supplies alcohol to customers or you host events where you serve liquor, you face some unique liability risks. For example, if an intoxicated guest is involved in an auto accident after leaving your company’s Christmas party or an inebriated individual at your bar gets into a fight with another patron, you could be held fully or partially responsible for the damages.
If an injured party decides to sue you for negligence, a subsequent court judgment or financial settlement could severely cripple your operation or even put you out of business.
Liquor liability insurance is essential for protecting your assets if an incident occurs. This type of insurance will fill the coverage gaps in your general liability plan (standard GL policies typically exclude liquor liability unless they are specifically added for an extra premium), which can help you avoid a financial catastrophe.
XINSURANCE provides customizable liquor liability insurance solutions for restaurants, bars and taverns, caterers, grocery stores, microbreweries and wineries, liquor stores, and other entities that manufacture, distribute, sell, or serve alcohol. Depending on your needs, you can get coverage for:
*Not available in all states
At XINSURANCE, we specialize in covering the risks that other insurance providers avoid. If you’ve been canceled, non-renewed, or turned down for a policy elsewhere, we’re ready to help. Get an all-in-one liability plan with limits up to $10 million ($20 million via our reinsurance carriers) that will give you true peace of mind.
Please contact us to get more information about liquor liability insurance or request a no-obligation quote today.
With XINSURANCE, you can purchase customized liability insurance coverage that will protect you in all the areas that your homeowners, employers, and business insurance policies won’t or can’t. Our underwriting team brings you over 40 years of experience, along with the ability to offer customized limits, coverage, deductibles, and premiums to create the perfect plan for your personal protection.
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