Liquor Dealer and Store Insurance
Due to the great amount of exposure to stock theft losses, as well as the necessity of maintaining a sufficient supply of bottles of whisky, wine and other alcoholic beverages, liquor dealers and stores are subject to burglary and other criminal activity risks. While some insurance sources provide necessary policies in pieces on a stand-alone basis, there are insurers that offer comprehensive coverage including liability coverage packages that incorporate high commercial general liability and liquor liability limits. Tailored insurance is offered in respect to company ownership, business reputation, and suitable lighting and law enforcement after-hour surveillance.
Liquor Liability aka Host Liquor Liability
There are several insurers that provide liquor liability insurance for individuals and companies that use alcoholic beverages for both private and business entertainment uses. This mode of coverage can cover liability in the event the insured and insurance provider dispute coverage protection of an accident following alcoholic consumption.
Bars, taverns, restaurants, liquor providing shops and event sponsors where alcoholic beverages are sold, distributed or served require coverage for the potential liability for injury, and/or damage as a result of customer conduct due to consuming alcohol served within the premises. This specialty insurance protects legislative liability exposures for related business as well as for the owners, general lessees or mortgagors of the commercial property.
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Summary: Party and holiday season holds particular risk exposure for the liquor providing distributor, restaurant, tavern, bar and event sponsor. Special business insurance coverage is necessary to protect against liability.