Clermont Florida Liquor Liability Insurance

Who needs Liquor Liability Insurance?

I heard a story years ago of a parent that held a party for his son who graduated from high school back when the drinking age was 18. Some of the graduates were drinking legally, however, I'm sure a good percentage that night were not yet 18. He had several kegs of beer at this party and charged a $10 admission to come in and drink as much beer as they wanted. A formula for disaster.

The short of the story is all chaos broke out with kids getting sick, getting in fights and driving home drunk. When the kids started coming home drunk the parents of those children called the police and the owner of the home was put in jail. Had any of the kids been involved in a serious accident, the owner also would have been liable for the accident had a lawsuit ensued.

Serving alcohol at a special event or owning a business that serves alcohol always involves an element of risk. Liquor liability insurance protects your company against loss or damages claimed as the result of a patron of your business becoming intoxicated and injuring themselves or others. If your business manufactures, sells, serves, or facilitates the use or purchase of alcohol, then you need liquor liability insurance coverage.

Southern's Liquor Liability Basics

Each state varies according to the laws pertaining to liquor liability so there has always been some confusion about the need for liquor liability - even among insurance professionals. In addition, the insurance policy can also be a bit confusing. Here is some basic information on the subject:

  • “Dram Shop” Laws: hold alcoholic beverage servers financially liable for harm that visibly intoxicated individuals cause to other people, themselves, or property. These laws are established at the state level. They 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: provides coverage for bodily injury or property damage for which you may become legally liable as the result of contributing to a person's intoxication. This coverage is provided by a separate policy and will only cover establishments 'in the business of' manufacturing, selling, distributing, or serving alcoholic beverages for a charge. This exposure is not covered under a general liability policy.
  • Host Liquor Liability Insurance Policies: cover special events for businesses that elect to serve alcohol to their employees, prospects, and customers. This type of liability insurance is also needed by people and businesses serving or providing alcoholic beverages to customers, guests, or employees.

How can Southern Insurance Group help?

State statutes as well as some court decisions are making vendors of alcoholic beverages increasingly responsible for damages under liquor liability laws. Nevertheless, liquor liability insurance continues to be a dwindling market around the country. In fact, more than half the establishments in the United States choose to operate without liquor liability insurance coverage.

Southern Insurance Group makes your liquor liability insurance process as simple as possible. By filling out a simple online form, our expert agents will shop the market for you and get the best possible coverage and competitive premiums. We pride ourselves on taking care of our clients and their interests.

Get your quote today!

What are you waiting for? Simply complete the Protection Savings Form for a free, no-obligation liquor liability insurance quote. The sooner we receive your information, the sooner we will get you the best protection for your alcohol-serving situation. So don't delay another minute - complete the form now.