What Your Liquor Liability Insurance Should Cover

Bottles of liquor on a store shelf

What Your Liquor Liability Insurance Should Cover

Everyone likes to let loose, and throw a few back at the local bar every now and then. It’s a great way to blow off some steam and relax. If you own a business where alcohol is being served, you know that sometimes things can get a little out of hand. Without proper liquor liability insurance, you could be looking down an empty bottle yourself! Make sure your liquor liability insurance policy covers the following!

  • Assault and Battery Coverage – It should be common knowledge that sometimes people and alcohol just don’t mix! The most popular claims against bars and
    restaurants are the results of fights. Your liquor liability policy
    should include coverage for assault and battery claims. Not having this type of coverage is like getting sucker punched in the mouth! 
  • Defense Costs Included – One of the biggest costs that face your busiesses ar legal defense fees – even against the most minute of cases. Make sure you are protected in court with this coverage.
  • Employees Included – It’s a fact, your employees are going to drink no matter the rules put in place. Have them added to your coverages – you’ll be thankful you did.
  • Damage Definition Includes Mental Damages – Never purchase a policy with limited damage definitions. People can sue for anything nowadays – even hurt feelings.

For Insurance in New Jersey, American Insurance Services Agency is
your Insurance Agent of choice. We offer affordable NJ auto, business
and home insurance coverage and policies.Contact us today online or by calling (732)  680-4444