Liquor Liability Insurance in Fort Lauderdale and Miami, FL

In the bustling world of bars, restaurants and nightclubs, serving alcohol is a central part of the business. However, with the enjoyment of a good drink comes establishment responsibility. This is where liquor liability insurance can be essential.

What Is Liquor Liability Insurance?

Liquor liability insurance is a specialized type of coverage designed to financially protect businesses that manufacture, sell or serve alcohol. This type of insurance is essential for mitigating the risks associated with serving alcohol and helping to ensure the long-term viability of the business.

What Does It Cover?

Liquor liability insurance may cover claims for bodily injury or property damage caused by an intoxicated patron. For instance, if a customer leaves a bar intoxicated and gets into a car accident, the bar could be held liable for the resulting damages. The insurance may also cover legal fees, medical costs, and settlements or judgments related to these incidents. Additionally, it can protect against claims of assault and battery if a fight breaks out involving intoxicated patrons. Essentially, liquor liability insurance can offer a financial safety net for businesses, helping them manage the risks associated with serving alcohol.

Who Needs Coverage?

Liquor liability insurance is often recommended for any business involved in the sale, service or distribution of alcohol. This includes bars, restaurants, nightclubs and breweries. Additionally, event organizers who host functions where alcohol is served, such as weddings or corporate events, should also consider this coverage. Even retail stores that sell alcohol, like liquor stores or convenience stores, can benefit from liquor liability insurance. Essentially, any entity that could be held liable for alcohol-related incidents can benefit from this type of insurance.

Learn More

Contact Bruening Insurance Agency to discuss liquor liability insurance for your business.