Liquor Liability Insurance
Liquor liability insurance addresses certain claims of bodily injury or property damage arising from selling, serving or furnishing alcoholic beverages. All Assured Solutions helps restaurants, caterers and other Mid-Atlantic businesses review alcohol-related exposures and policy limitations.
Review how alcohol fits your operation
A restaurant, bar, retailer, caterer or event operator can have different responsibilities and insurance needs. We begin with alcohol sales, service practices, locations and events, then examine how the policy defines the insured business and covered activities.
Distinguish liquor liability from general liability
General liability and liquor liability serve different purposes. A general liability policy’s treatment of incidental hosting should not be assumed to protect a business engaged in selling or serving alcohol. Review liquor exclusions, separate limits, defense provisions and any restrictions on particular activities.
Check contracts, events and operational changes
Venue agreements, catering contracts and landlords may require specific insurance terms. Discuss off-premises service, special events, delivery, entertainment and changes in operating hours. We also review assault-and-battery provisions and other exclusions that could materially affect a claim.
Prepare for your assessment
Bring current policies, contracts, licenses, alcohol and total sales figures, claims history and details of staff training and service procedures. Explain the type of events or entertainment you provide. Requirements and liability rules vary; insurance should be reviewed alongside your operational responsibilities.
Connect alcohol protection with the rest of the business
Liquor liability is one part of a coordinated program. We help compare available proposals and how they work with general liability, property, workers’ compensation and umbrella coverage, so owners understand the protection and limitations before choosing a solution.
Related business protection
Start with a risk assessment
All Assured Solutions is a veteran-owned independent insurance and risk management agency serving Virginia, Maryland and Washington DC. We review your needs before comparing available carrier solutions.
Coverage, eligibility, availability and terms vary by carrier, policy and circumstances. This educational information is not a binder or guarantee of coverage. Review the policy and endorsements for exact terms.
Practical insurance guides
Use these guides to identify coverage gaps and prepare for your next risk assessment.