Tennessee Liquor Liability Insurance
Do you need Liquor Liability Insurance?
Weddings, birthday parties, summer cookouts. . . equal fun times yet can come with some risks. Having a business that manufactures, sells, serves or facilitates the use or purchase of alcohol also comes with these risks. This is where liquor liability insurance is a MUST!
Keep reading to learn more about Liquor Liability and how insurance can protect you.
Liquor Liability 101
There has always been a great deal of confusion about the need for liquor liability - even among insurance professionals. Liquor liability laws vary greatly by state, and insurance policy coverage options are often confusing. Here is some basic information on the subject:
- “Dram Shop” Laws: hold alcoholic beverage servers financially liable for harm that visibly intoxicated individuals cause to other people, themselves, or property. These laws are established at the state level. They can apply not only to bars, liquor stores and restaurants, but also to social clubs and private events where liquor is served. Dram shop laws also include selling liquor without a license, selling liquor after hours, and selling liquor to minors.
- Liquor Legal Liability: provides coverage for bodily injury or property damage for which you may become legally liable as the result of contributing to a person's intoxication. This coverage is provided by a separate policy and will only cover establishments 'in the business of' manufacturing, selling, distributing, or serving alcoholic beverages for a charge. This exposure is not covered under a general liability policy.
- Host Liquor Liability Insurance Policies: cover special events for businesses that elect to serve alcohol to their employees, prospects, and customers. This type of liability insurance is also needed by people and businesses serving or providing alcoholic beverages to customers, guests, or employees.
How can King & Associates Insurance, LLC help?
Did you know that more than half of the establishments in the United States choose to operate without liquor liability insurance? This is extremely shocking and dangerous especially since court cases are on the rise. Liquor vendors are being held responsible for damages under liquor liability laws.
King & Associates Insurance, LLC makes your liquor liability insurance process as simple as possible. By filling out a simple online form, our expert agents will shop the market for you and get the best possible coverage and competitive premiums. We pride ourselves on taking care of our clients and their interests.
Get your quote today!
What are you waiting for? Simply complete the short form above for a free, no-obligation liquor liability insurance quote. The sooner we receive your information, the sooner we will get you the best protection for your alcohol-serving situation. So don't delay another minute - complete the form now.