When you run a restaurant or nightclub you have a lot of responsibility on your hands. Not only do you have to provide quality food, service, and entertainment, but you also have to keep the safety of the patrons in mind. Alcohol is a very popular beverage in many establishments. However, when a business chooses to serve alcohol to patrons they must prepare for any potential incidents. Having liquor insurance is vital for bars, taverns, nightclubs, and other similar establishments.
Every year there are countless claims made against businesses that sell and serve alcohol to customers and patrons. Most of these claims come from people who have sustained some type of damage which was related to alcohol served by the business. These establishments are often held liable if a patron has too much to drink and causes an accident. These accidents can range from a physical altercation to an accident with a vehicle.
A common scenario often involves a person who’s had too many drinks at a bar or nightclub and then decides to drive home. While driving home they wreck and injure themselves or someone else. Unfortunately, some of these accidents end in death. Other incidents often involve intoxicated people fighting and causing damage to property or other people. Most people assume that the person who did the drinking would be responsible for these incidents, but this isn’t entirely how the law sees it.
Restaurants, bars, taverns, and nightclubs are always being hit with criminal and civil lawsuits pertaining to accidents caused by alcohol. These lawsuits can become difficult to win and can be extremely costly. Several establishments are either forced to close down, forced to stop selling alcohol, or are forced to pay a substantial amount in compensation. Having liquor insurance will protect you from financial ruin if something like this should ever happen to you.
Most states will typically require liability liquor insurance to be held by any establishment that serves or sells alcohol. This insurance will provide coverage for any damages that arise from alcohol serviced by the establishment, and will also cover litigation costs and miscellaneous legal fees. If you have a business, and you plan on serving alcohol, don’t hesitate to get your liability insurance. It’ll protect you and your business. Browse website to know more.
