Breaking Down Liquor Liability Insurance vs. Host Liquor Liability

Breaking Down Liquor Liability Insurance vs. Host Liquor Liability

Business owners that serve alcohol to guests face unique liability risks. In many states, business owners can be held liable for injuries or property damage caused by guests or patrons who are intoxicated. This can apply even to businesses that do not sell or serve alcohol; those that allow alcohol to be consumed on the premises may also be liable under state laws. To protect business assets from legal enforcement or lawsuits, business owners should strongly consider liquor liability insurance. U.S. Risk Underwriters, one of the nation’s leading providers of specialty insurance products, knows that there exists much confusion about the types of liability insurance available, particularly in the differences between liquor liability and host liquor liability policies. In this guide, we’ll break the differences down, allowing you to help clients select the right type of policy for their specific needs.

Read more

When Does a Business Need Liquor Liability Insurance?

When Does a Business Need Liquor Liability Insurance?

Any business that manufactures, sells, or serves alcoholic beverages faces unique risks in their operation. Legal claims from damages or injury related to alcohol consumption can lead to thousands or even millions of dollars in costs, potentially harming the business and its financial assets. To protect against these losses, liquor liability insurance is a smart risk management practice. U.S. Risk Underwriters, a leading specialty lines insurance broker, knows that liability insurance provides financial protection as well as peace of mind for alcohol-related businesses. In this guide, we’ll explore liquor liability insurance, its major types, and the typical coverages it can provide.

Read more