We can save you money on your Liquor Liability Insurance. Take this newsletter and give it to your local insurance agent and have them call us! Liquo

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We can save you money on your Liquor Liability Insurance. Take this newsletter and give it to your local insurance agent and have them call us!

Liquor Liability

General Liability insurance policies typically do not cover Liquor Liability claims.
Any establishment that sells, serves or assists in the purchase of liquor opens its doors for
a liability claim as a consequence of someone getting drunk to the extent that injuries or
property damage are the result.

When someone is injured or property is damaged, almost all states allow claims against the alcohol server. Even if your business is located in one of the few states where such a claim is not allowed, you may still have to pay for legal expenses to get claims dismissed, claims from neighboring states where claims are allowed, or claims arising from navigable waterways, which may be allowed under federal law.

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BROAD MARKET DIRECTION INCLUDES

• Bars, Taverns, Pubs, Cocktail Lounges
• Nightclubs, Discotheques, Dance Bars
• Adult Entertainment Clubs
• Restaurants
• Banquet Halls
• Grocery Stores, Convenience Stores, Liquor Stores, Other Off-Premises Sales
• Fraternal Organizations, Social Clubs, Civic Organizations, Private Clubs
• Entertainment Venues, Comedy Clubs, Dinner Theaters (No Concert Venues or Sports Arenas)
• Billiards, Pool Halls, Bowling Alleys
• Alcoholic Beverage Distributors

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LIQUOR LIABILITY COVERAGE FEATURES

• Policy limits up to $1 million per occurrence/$2 million aggregate
• Defense costs covered in addition to policy limit
• Additional insured coverage available
• No deductible
• Special event coverage — can include both liquor liability and general liability
• Premiums based upon type of risk and annual liquor receipts
• Discounts available for each type of risk (subject to eligibility)

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Special Events

Special events of one to five days with attendance up to 5,000 people (coverage is rated based on the number of event days and attendance).

• Liquor Liability and General Liability* ($300,000 maximum) coverage
• Limits from $100,000/$200,000 to $1,000,000/$2,000,000 for Liquor Liability
• Operators need not be licensed
• Special Events must be referred to Founders
• You provide an application, we provide a quote

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Submission:

Have your local insurance agent call me, Jonathan Maloney, at 770-424-5770 or reply to this email for further information.

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