Liquor liability insurance in New Jersey can protect your business against loss or damages claimed as a result of a customer becoming intoxicated and injuring themselves or others. Liquor liability insurance is crucial if your business manufactures, sells, serves, or facilitates the uses or purchase of alcohol.
Liquor liability insurance may be sold as an add-on to a commercial liability policy or as a separate liability policy. Keep in mind, if you do not purchase this extra coverage your standard liability policy DOES NOT protect your business against these kind of claims.
Liquor Liability Insurance Coverages:
- Assault and Battery Coverage – It’s bound to happen. Most claims against bars and restaurants are due to fights. Your liquor liability insurance should include coverage for assault and battery claims.
- Defense Costs Included – Getting sued can be expensive, and retaining a lawyer against claims will likely put you debt. Having Defense Cost coverage will aid you in attorneys’ fees.
- Employees Included – If you serve alcohol, then employees will drink regardless of the provisions your establishment put in place. This coverage makes sure employees are covered as patrons.As a final note, liquor liability insurance WILL NOT cover sales that are contrary to law and sales to minors. If you want to learn more details about our Liquor Liability insurance – the specifics, the rates, and the restrictions – feel free to speak to any of our dedicated agents today. Call us at (732) 680-4444.