Central California Liquor Liability Insurance

Do You Need Alcohol Liability Insurance?

If you sell, serve or distribute alcohol then you need to have this coverage. Restaurants and wineries deal with providing the public with alcohol daily. There is a risk doing that. Although it seems like that risk has been minimized and is not near as large as it used to be it is still there. A policy that does not include Liquor Liability Insurance can leave you with a very large potential legal bill. Liquor legal deals with the exposure of a patron becoming intoxicated or more intoxicated and injuring a third party or the patron themselves.

Liquor Liability 101

California Alcohol Liability Insurance has not always been the easiest protection to understand. Liquor laws are not consistent so each state has its own set of rules. We have put together a bit of information that might shed some light on the subject:

  • The "Dram Shop" Laws: can hold alcoholic beverage servers financially liable for the injury or harm for serving alcohol to visibly intoxicated individuals that cause to other people, themselves, or property. These are state laws and as you can imagine they vary. These laws can apply not only to bars, liquor stores and restaurants, but also to social clubs and private events where liquor is served. Dram shop laws also include selling liquor without a license, selling liquor after hours, and selling liquor to minors.
  • Liquor Legal Liability: is a coverage for property damage or bodily injury should you become legally liable as the result of contributing to a person's intoxication. This protection can be provided by the basic policy or in some case a separate policy and will only cover establishments in the business of'manufacturing, selling, distributing, or serving alcoholic beverages for a charge.
  • Host Liquor Liability Insurance: is the policy that covers special events for businesses that serve alcohol at their functions. They are not selling the alcohol so they have a lessor exposure but an exposure none the less. Many of these policies are sold for special events such as weddings, reunions, Etc.

Ted Hamm Insurance Agency Can Help!

We have investigated the market and have found the carriers that provide the best policies. We know who will provide the best coverage for your situation and at what price. We are able to get separate liquor legal policies if the primary carrier is unable.

Ted Hamm Insurance Agency makes the application process for Alcohol Liability Insurance process quick and easy. Fill out the form and we will begin the process today. We will get you the quotes in the fastest possible turn around time. We want you protected today.