Step Up To Liquor Liability Inspections

Liquor Liability is a specialized type of commercial loss control inspection. Training is available.

www.wisegeek.com … Definition of Liquor Liability

Liquor liability is a type of insurance which covers businesses in the event that claims related to liquor are made against the business. Most classically, such claims involve damages as a result of the actions of an intoxicated person, such as a lawsuit filed by someone involved in a crash caused by someone who was drunk. Although damages in such suits can be substantial, businesses often lack adequate liquor liability coverage, and this can expose them to very high liability.

Most nations have laws which state that businesses which manufacture, sell, or serve alcohol can be held liable for the actions of drunk patrons. For example, if someone gets drunk at a bar and is involved in a car wreck, the bar is liable for the drunk’s activity, and the bar could potentially be forced to pay a very high liability claim. People are liable for injuries their drunk patrons do to themselves, as when someone who is intoxicated falls down a flight of stairs, and for accidents which are determined to be the fault of someone who was drunk.

Liquor liability insurance provides coverage for establishments involved in the alcohol business. The terms of the insurance can vary, and it may be attached to a general liability policy as a rider, or purchased as a standalone policy. Business owners should be aware that liquor liability is usually specifically excluded from general liability policies, and that the language of a liquor liability policy can vary.

Check out the mid-level commercial insurance loss control training at www.sofistore.com