You’ve heard those crazy stories of bartenders getting sued for overserving people alcohol, right? They’re pretty hard to believe, especially when you work in the liquor industry. You might think there’s no way that could happen to you, but that’s probably what those bartenders and restaurant owners thought, too. Without the aid of insurance, you could be liable. to pay hundreds of thousands of dollars if you were to over-serve alcohol to a patron who later caused someone else bodily harm or property damage. Many businesses are confused about Liquor Liability Insurance., but Insurance Canopy is here to help. We’ll explain what Liquor Liability Insurance is, why you need it, and where you can get it. Let’s get started.
WHAT IS LIQUOR LIABILITY INSURANCE?Liquor Liability Insurance, also known as Dram Shop Insurance, is designed to protect you against third-party claims that you serving alcohol to a minor or clearly intoxicated individual caused someone or something harm. It protects you if you are sued and could help cover the costs of legal aid, court filings, and other associated fees.
WHEN HAS LIQUOR LIABILITY INSURANCE BEEN NECESSARY?The need for liquor liability insurance has become more prevalent in recent years. Here are just a few dram shop law cases that have made headlines.
- This lawsuit was settled for $4.4 million when lawyers determined the intoxicated individual and the bar who served her were at fault for causing the a brain injury in a child
- In 2019, a dram shop lawsuit involving the death of a police officer was settled for $2 million after a Florida tavern was found at fault for over serving an individual
- Lawyers in California secured a $1 million settlement after a restaurant patron drunkenly caused a death while driving under the influence