Copeland Insurance


Liquor liability insurance helps protect your business from alcohol-related incidents.

For businesses that sell or serve alcohol, liquor liability insurance is essential.

Understanding Alcohol-Related Liability

Responsibility for Alcohol-Related Incidents

Your business could bear responsibility for incidents involving alcohol. Despite potential court victories, defending against claims can incur substantial legal costs. Many business policies exclude alcohol-related claims, making liquor liability insurance crucial.

Liability Risks and Dram Shop Laws

Dram shop laws impose strict liability on alcohol-serving establishments for damages caused by intoxicated patrons. This liability exists regardless of recklessness proof. Which businesses require liquor liability coverage?

Businesses Requiring Liquor Liability Insurance

Bars, breweries, caterers, grocery stores, liquor stores, nightclubs, restaurants, and wineries all need liquor liability insurance due to their alcohol service or sales.

Enhanced Coverage Options

Liquor liability policies vary, so review specific coverage details. Consider assault and battery coverage for claims involving staff actions, particularly when removing intoxicated patrons. Additionally, litigation cost coverage can safeguard against legal expenses in uncertain court outcomes.

Secure Your Business

If your business sells or serves alcohol, ensure you’re adequately protected. Contact us today to tailor liquor liability insurance to your business needs and mitigate potential risks effectively.

Several factors influence the cost of your policy, such as the individual’s role, the business’s type and size, their age, overall health, and other pertinent considerations.


Versatile Payout Solutions for Diverse Scenarios

Flexibility in Payout Options

Prepare for various contingencies with key person life insurance. In the worst-case scenario, rather than dealing with the turmoil of forced liquidation, the policy payout can facilitate a structured wind-down of operations. Additionally, these policies provide payouts not only upon the passing of a key staff member but also if they are diagnosed with a terminal illness or suffer a critical illness that prevents them from continuing their work.

Protecting Business Longevity

Key person life insurance serves as a vital tool to ensure the continuity and resilience of your business. Interested in learning more about how this insurance can safeguard your business’s future? Contact us today for further information and personalized advice.

Protect your business from incidents related to alcohol with liquor liability insurance.

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