Liquor Liability Insurance
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Liquor liability insurance is business insurance that protects your business against loss or damages claimed as a result of a patron of your business becoming intoxicated and injuring themselves or others.

Liquor liability coverage may be sold as an add-on to a commercial liability policy or as a separate liability policy. If you do not purchase this extra coverage, your standard liability policy DOES NOT protect your business against these kinds of claims if your business manufactures, sells, serves, or facilitates the uses or purchase of alcohol.

What to look for/ask for in a liquor liability policy:

  • Defense Costs Included - The biggest cost facing your business in these types of claims is the cost of retaining a lawyer against frivolous claims. Insurers know this. That is why they sell policies where "defense costs" are deducted from the total coverage. That is, your $500,000 policy is reduced to $400,000 because of $100,000 in attorneys' fees.

  • Employees Included - If you serve, then employees will drink regardless of the rules. Insurers know this and sometimes exclude employees from coverage.

  • Damage Definition Includes Mental Damages - Claimants may claim they were damaged in non-physical ways: stress, mental anguish, or psychological damage. Some policies exclude these types of damages.

  • Reduced Premiums Based on Safety and Claims - Good insurers who are market leaders in bar and restaurant insurance will offer free classes and training to their insured’s employees and discounts on premiums for having safety training and no claim history. Some insurers will reduce premiums by 15-20% for this basic safety training.
Physical Address:  28 Barkley Circle Ft. Myers, Florida 33907
Mailing Address:  P.O. Box 62487    Ft. Myers, Florida 33906-2487
Ph:  239.278.3939 Fax: 239.278.4853