You could be liable for your customers’ actions, even after they leave
Image Credit: Bem Devassa
A business's general liability policy covers the establishment against on-site incidents that can result in liabilities and lawsuits. That is the same for nearly any business. However, bar & tavern owners can also be liable for the actions of customers after they leave an establishment. Off-site incidents can result in liabilities in excess of half a million dollars. Even the cost of merely defending a lawsuit where no liability is found can force a thriving business to close its doors. That is why bar & tavern owners choose to protect their assets with liquor liability insurance.
Liquor liability insurance is a policy that is unique to each bar or tavern. Based on a bar's liquor-related receipts and the unique traits of business operations & clientele, liquor liabilities can vary greatly. It is important to understand what you can do as a business owner to protect your business. That is why it is of utmost importance to consult a qualified risk adviser to evaluate a bar or tavern owner's specific liquor liabilities and design a policy to properly cover the business and personal assets involved.
If you would like to make sure your bar or restaurant is covered from any unforseen risks, fill out the short form below, and one of our experts will go over your policy with you or get you a new quote.