Every business faces risks that require the protection of commercial insurance. But restaurants, bars and any other business that sell and serve alcohol open themselves up to even greater risks. It’s not uncommon for a drunk customer to crash into another car while driving home, or for a drunk customer to start a fight with other customers or even employees. If any similar alcohol-induced events cause bodily injury or property damage, the business that served the alcohol could be found liable for the actions and behaviors of inebriated customers.
Because of this, most states require such businesses to purchase liquor liability insurance to protect against costly financial losses. This type of policy can cover the business’ legal and court expenses, along with the costs associated with any damage done. Depending on the policy, coverage can also include assault and battery, in the event of fights, and employees who drink on the job, despite the rules. Keep in mind that liquor liability policies exclude instances that result from the illegal sale and/or service of alcohol, such as to minors.
Liquor liability insurance is a good investment for restaurants and bars, but as a business owner, you should also plan preventative measures in order to limit claims. Establish rules for your employees, some of which may include:
- Refuse service to individuals who are clearly intoxicated
- Call a taxi for any drunk customers who seem to be alone, or if no designated driver is known
- Use strict measuring when pouring mixed drinks
- Continuously offer water to customers who are drinking
Enforcing safe alcohol serving practices creates a safer environment for you, your employees and your customers. Encourage workplace safety and ask your agent how to protect your business from risks.
Intoxicated customers are just one risk factor that your business may face. Call Pro Player Insurance Group at (954) 316-4662 for more information on Fort Lauderdale liquor liability insurance.