Liquor Liability Insurance

If you run a bar, nightclub, tavern or other type of alcohol-serving restaurant in the state of Texas (or really anywhere in the U.S.) it’s highly recommended that you carry liquor liability insurance for your establishment. Specifically, a liquor liability policy covers legal fees and court costs for most alcohol-induced incidents that occur at your business in the event that you’re sued or found liable of some sort of altercation. These three recent liquor liability insurance lawsuits in Texas can serve as a great reminder as to why it’s so important to get insurance for bars, restaurants, and even events.

In the state of Texas, it’s not mandatory for alcohol-serving establishments to carry a liquor liability policy. While some establishments may be OK with gambling that they’ll never be roped into a court case, the old adage “better safe than sorry” is a fantastic reason for many bars to purchase a liquor liability policy.

For instance, if […]

Do you operate an establishment in the state of Texas? Does the majority of your entity’s revenue come from alcohol sales? If you’ve answered “yes” to both of these questions, then you’d be required by law to acquire a liquor liability insurance policy – that is, should a bill proposed by Texas state representative Chris Turner be signed into law.

House Bill 409, which has been nicknamed the “dram shop bill,” was originally proposed by Turner in 2013, again in 2015 and was more recently re-filed for consideration in early 2016. According to a report from Claims Journal, the bill was originally proposed following a 2-year-old’s eventual death when the car he was riding in was hit by a drunk driver who had been over-served at a local watering hole. However, what may soon become mandatory for many restaurants in the state of Texas should serve as a stern reminder for restaurants, […]

Ever wondered who’s responsible for the liquored-up actions of a restaurant patron, partygoer or wedding guest? Have you ever been in the somewhat uncomfortable position of serving alcohol to a wide variety of people, and not been quite sure whether or not it was a “safe” thing for you to do? Do you wish you could throw a fête without worrying about what will happen afterward?

These are common questions for executives, owners or others who want to wine and dine a crowd, but would rather not be held liable for the fender-benders (or worse) that could take place afterward. Ditto heads of establishments that serve alcohol on a regular basis. And who can blame them?

The good news is, there’s an insurance for that. If you don’t want to be responsible for property damage or bodily harm resulting from inebriation, host liquor liability insurance and full liquor liability insurance can help […]

If your bar or restaurant is one of the many rolling the dice by not having a liquor liability insurance policy, listen up. Every moment you go without liquor liability coverage is a moment where your entire business is on the line and could be taken away in the blink of an eye. Accidents can happen at any time without warning, and if an intoxicated patron harms himself or someone else, your business can face an enormous lawsuit. With that in mind, here are 5 more reasons your establishment needs liquor liability insurance immediately.
 1. It only takes one incident to bankrupt your business
As we said earlier, accidents can happen at any time. A patron who has had a little too much to drink could assault another customer or, even worse, get behind the wheel and cause a deadly accident. Without liquor liability coverage, your business could get sued to the […]