Liquor Liability Insurance in Brigantine Beach, Ventnor City, Margate City and Longport, NJ 

Although liquor liability laws vary by state, your business may be held responsible if one of your patrons causes bodily injury or property damage after being served alcohol at your establishment. Having liquor liability insurance may provide coverage in this situation.  

The professionals at Insurance Agencies Inc. in Northfield, New Jersey, can help address your liquor liability insurance needs. Contact us today for more information. 

What Is Liquor Liability? 
Liquor liability refers to a business’s legal and financial responsibility for the actions of its patrons who are served alcohol. Under liquor liability or “dram shop” laws, if an individual causes injury or property damage after being over-served alcohol, the business that provided them the alcohol may be liable. 
 
What Does Liquor Liability Insurance Cover? 
Liquor liability insurance may provide coverage for establishments that sell, distribute or serve alcoholic beverages. If one of your patrons becomes intoxicated and causes property damage or bodily injury through fights, auto accidents or other irresponsible behavior, your business may be sued. Liquor liability insurance may help cover the resulting: 

• Legal fees, settlements or judgments.

• Medical expenses.

• Property damage costs.

Policy enhancements may also be available. Your Insurance Agencies Inc. agent can discuss options, coverages, limits and exclusions. 

Which Businesses Need Liquor Liability Insurance? 
Depending on your state laws, several types of businesses that serve or sell alcoholic beverages may need liquor liability insurance, such as the following: 

Is General Liability Insurance Sufficient? 
A general liability insurance policy may cover claims against your business for bodily injury, property damage or personal injury, but it generally does not provide the coverage you need if your business sells or serves alcohol. Host liquor liability coverage may be part of general liability insurance, but that coverage typically applies to situations where individuals are allowed to drink alcohol on your premises but are not buying it there (e.g., a company party). 

How Much Does Liquor Liability Insurance Cost? 
Several factors may impact the cost of liquor liability insurance, including the type of establishment, the location, the amount of liquor sales and the risk management protocols in place.  

The team of professionals at Insurance Agencies Inc. can help you secure a liquor liability insurance policy that fits your needs and budget. Contact us today for more information or a quote.