Restaurants, bars, and various other forms of establishments that sell alcoholic drinks tend to bring together people for fun and entertainment. However, in the event that an incident occurs, you need to ensure that your Houston, TX business is properly protected. You can do this with a liquor liability insurance policy from Outdoor Insurance Services. 

Who Even Needs Liquor Liability Insurance?

If your business makes, serves, or sells alcohol, you need this type of insurance. So, if you own or run a restaurant, bar, nightclub, winery, or distillery, you should seriously consider investing in this type of policy.

With intoxicated patrons, people are more likely to get into fights and get injured. With this type of insurance policy, you won’t need to concern yourself with the legal or financial responsibility of the related consequences.

What Does Liquor Liability Insurance Cover?

This type of insurance covers two primary forms of damages: 1) personal injuries and property damage caused by intoxicated individuals; and 2) the legal costs you’ll be required to pay in order to defend yourself and your establishment against lawsuits that may arise as a result of those incidents.

For instance, if an intoxicated patron stumbles and knocks the phone of a friend onto the ground, your insurance is likely to cover the repairs of that phone as well as any medical expenses that may arise. In addition, liquor liability insurance tends to cover damages caused by battery, sexual adult, and even drunk driving collisions.

What Does Liquor Liability Insurance Not Cover?

Although this is an important insurance policy for your business, it simply won’t cover everything your business will encounter. For instance, if you have individuals in your establishment who are underage and drinking alcohol and end up getting hurt, your policy will not provide coverage for these losses. It is up to you to ensure each customer provides you with a valid ID.

In the event that a customer slips, falls, and breaks a table, your policy will not provide coverage for damage to your own business property. You will simply be responsible for purchasing a brand-new table out of your own pocket. In addition, it won’t cover libel, slander, and the like.

If you have questions about liquor liability insurance or would like to invest in this type of policy to help protect your establishment, contact an agent at Outdoor Insurance Services. Serving the Houston, TX area, our insurance company can help your liquor establishment obtain the insurance coverage it needs to operate with a little bit of peace of mind.