You’ve poured hours of dedication into your establishment. Sure, it hasn’t been easy; but as a Texan, hard work is in your nature. To ensure your livelihood is protected, it is absolutely crucial that you have the proper insurance coverages—including liquor liability insurance. In most states, liquor liability insurance is required for any business owner who sells, services or assists in the purchase of liquor. General liability insurance simply doesn’t cover establishments from liability claims that stem from alcohol consumption, and the risk is simply too high for you to not be covered.
The Liquor Liability Insurance that’s Just Right for You
Typically, liquor liability insurance can be added to your current policy without issue. As a local business owner who partakes in the sale of alcohol, even if you only sell beer and wine, liquor liability insurance is necessary. At AIA, we are more than happy to work with you to create an insurance policy that includes liquor liability. Not sure if you need liquor liability insurance? The following establishments require this form of coverage:
- Liquor stores
- Convenience stores
- Grocery stores that sell alcoholic beverages
- Restaurants that serve alcohol or allow BYOB
- Bars
- Taverns
- Breweries
- Wineries
- Alcohol distributers
Put simply, if your business makes money from selling alcohol, you need to have liquor liability coverage.
What Risks Are Covered with Liquor Liability Insurance?
As a business owner, you understand the fact that you face risks daily. As an establishment that sells alcohol, however, you face the unique risk of liability for others’ actions. As you may know already, if a patron at your establishment becomes intoxicated, you are legally held accountable for any damaging actions she or he may cause. Legally, you can be sued for injuries the intoxicated patron causes to other people, property or themselves. Even if the patron was already intoxicated before entering your establishment—as soon as you serve him or her alcohol, you are legally responsible for his or her actions.
Without proper liquor liability coverage, you could lose thousands of dollars, your establishment and your reputation as a business owner. Remember, although liquor liability protects you from these potential risks, the coverage generally will not protect you from illegally selling alcohol to a minor.
Who Is AIA Insurance?
AIA Insurance is an insurance agency made up of Texans. We are your neighbors, patrons and friends with a knack for helping other business owners in the state of Texas. We take pride in our long history of providing quality insurance coverages and maintaining strong business relationships with our clients. To make the insurance process easier, we offer a free risk analysis for any local businesses, and we are happy to answer your questions and concerns. Do you have any questions about liquor liability insurance? We warmly invite you to call us today at (800) 666-9551 or contact us here.
