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Written by Adam Miller
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Why Your Restaurant Needs Liquor Liability Insurance

The next few months are a busy time for restaurants and bars, as people celebrate or host events for Halloween, Thanksgiving, Christmas, and New Year's Eve. While businesses get a big financial boost from customers celebrating the holidays, it also comes with added risk because of the increase of alcohol sales and consumption. Today's Aegis blog post looks at the liquor liability risks for businesses that serve wine, beer, and spirits, and how Liquor Liability Insurance can help mitigate those risks.

Accidents and Injuries

People enjoy celebrating or relaxing with an alcoholic beverage, but too many boozy drinks can lead to accidents and injuries, resulting in liability claims for the business that provided the alcohol. For example, a bar or restaurant could be held liable if an inebriated customer slips and falls on the property, or if drunk patrons are hurt in a physical altercation on site. If the alcohol a business sells, makes, or serves leads to a customer's impaired judgment or personal injuries, then businesses need to be protected from possible civil or criminal cases.

Property Damage

Restaurants and bars that sell or serve alcoholic drinks should also be prepared financially for liability claims that could result from property damage caused by inebriated patrons. For example, a drunken customer's attempt to drive home could result in car accidents or property damage to a home or business. Additionally, a fight between inebriated customers could also lead to property damage outside of the restaurant or bar, resulting in the business being stuck with the bill for repairs.

Legal Costs and Judgments

In addition to the physical injuries and property damage that could result from alcohol-impaired customers, businesses could find themselves facing civil or criminal charges related to their sale or serving of alcohol. Specifically, businesses could be held at fault for providing the alcoholic beverages that impaired judgment or if they knowingly served alcohol to a customer who was already drunk. A single liability claim related to liquor liability could ruin a bar or restaurant, but Liquor Liability Insurance offers protection by providing financial assistance to cover legal or court costs. It can also cover the cost of damages that have occurred offsite but were indirectly caused by the alcohol served or sold by your business.

Aegis Insurance & Financial Services can help protect restaurants, bars, cafes, caterers, and event halls that serve or sell alcoholic beverages from damages, lawsuits, or court claims. Liquor Liability Insurance or Host Liability Insurance can provide the peace of mind and financial protection needed if an inebriated customer causes damage or hurts themselves or others. To learn more about Liquor Liability Insurance and how it can help your business, contact Aegis Insurance and Financial Services at 713-850-7622 or fill out our online form for a free quote!

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