Call Us Today:
800.407.4247

Liquor Liability Insurance

Liquor laws vary widely by state, but one universal truth across the country is that all locations selling intoxicating beverages are at risk if the people they serve decide to make poor choices. Liquor liability policies are very specific about what they cover, and our agents can help make sure your policy fully protects your business.

The most important aspect of liquor liability insurance to keep in mind is that it is not included with most business policies. You've invested a lot in running your establishment, and one thing you don't need is a regulatory fine for something you thought had been taken care of. Our agents will make sure that doesn’t happen by creating a policy that meets local regulations and provides enough coverage for the types of incidents you face. These include:

  • Injuries or damages caused by intoxicated patrons
  • Lawsuits brought by customers who misinterpreted an employee's actions (especially being escorted out of the establishment)
  • Litigation costs, including hiring a lawyer and defending against claims brought against your business

Liquor Liability for Weddings and Events

Licensed establishments aren't the only places where liquor might be served. People also tend to drink alcohol at weddings and other major events—sometimes as part of the ceremony, other times as a way of relaxing and having fun afterwards. Whatever your reason for serving alcohol, liquor liability insurance can help keep costs from spiraling out of control if someone gets drunk enough to cause a scene.

Tripp & Associates Insurance Agency agents are familiar with which local venues require you to have this coverage if you'll be hosting a wedding where alcohol will be served, and our representatives will work with you to ensure that the policy you have meets any other requirements the location has.

Limitations of Liquor Liability Insurance

Most policies apply only to incidents that you were involved with as a part of doing business or hosting an event. They may not cover off-site incidents, non-business activities (such as giving free drinks to friends after closing down your business for the night), and similar incidents. Exclusions may vary by policy, so be sure to read which ones apply to you and consider asking for a policy modification if you expect any of the exclusions to occur on a regular basis.

Your policy may also have an annual cap on how much it will pay out. If your business is particularly risky (for example, bottles are broken on a particularly frequent basis), you may wish to increase your policy limit. Call now for more information—our agents can help you determine the amount of liquor liability insurance that's most appropriate for your business.

 

1. O'Connor, Cozen. "Comparison of State Liquor Liability Laws." Cozen.com. August 2007. Accessed April 21, 2016. https://www.cozen.com/admin/files/publications/Dram_Shop.pdf.

2. Larino, Jennifer. "Bars Often Roll Dice on Liquor Liability Coverage." Insurance Journal News. April 01, 2013. Accessed April 28, 2016. http://www.insurancejournal.com/news/southcentral/2013/04/01/286632.htm.

3. "Host Liquor Liability." Insurance Glossary. Accessed April 28, 2016. https://www.irmi.com/online/insurance-glossary/terms/h/host-liquor-liability.aspx.

Our Location

Tripp & Associates Insurance Agency

406 E Winona Avenue
Warsaw, IN 46580
Main office: 574-269-3500
Toll free: 800-407-4247

Our Providers

Testimonials

We have been very happy with the staff at Tripp & Associates. They have always been very courteous and helpful when we have had questions.
Frank & Deb Sapper
Your staff is very courteous, helpful and prompt. I really appreciate your agency.
Chris & Lisa Reed
After my first visit, they knew me by name and were very helpful in filing bills and answering questions.
Ronald & Deborah Hudson
I was very pleased with how quickly and hassle-free everything was handled.
Gene & Sue Swank
Whenever we called we never felt that we were being a pest. The staff was always willing to help.
Gary & Bonnie Nieter
All of the staff conducted themselves in a manner that indicated that they wanted to help. I've been with your agency for over 20 years now and I've been nothing but satisfied the whole time.
Jonathan Scripture
The staff is always courteous, helpful and very knowledgeable.
George & Martha Klinger
The staff was very courteous and helpful. The claims adjuster was courteous and prompt. The insurance agent was very helpful and called numerous times to make sure everything was going fine with our claim.
Larry Elkins
One phone call to the toll free claim number and a service man showed up at my brothers home and did the necessary repairs to my motorhome. Very efficient and great service. Thanks!
Thomas & Patricia Flees
Woody is always helpful in educating me on all my insurance needs. I feel comfortable that I have the right coverage without being under or over-insured.
G&L Quick Lube
I was very impressed and pleased with the whole claims process. Our claims adjuster was very efficient. I didn't feel as though we had to cut through a lot of red tape, which was a pleasant surprise.
Lake Side Family Dentistry