Liquor Liability Insurance in Texas
If you own or operate a venue that serves liquor, beer, wine or other alcoholic beverages, you must carry a liquor liability insurance policy in Texas. Serving alcohol carries a tremendous amount of risk and not only while your patrons are at your facility, but you could also be liable after they leave your facility.
Liquor Liability Insurance is great for:
- Bars & Taverns
- Restaurants
- Nightclubs
- Fast food (where alcohol is an option)
- Weddings
- Social Events
- Workplace Events
So, what exactly is Liquor Liability Insurance?
Liquor Liability Insurance covers the establishment who served the alcohol from liability damages incurred because a patron causes property damage, personal injury or even a motor vehicle accident. Some may think that the person who caused the property damage, fight or accident is liable, and this is true. However, the establishment that served the individual is often times found at-fault for over-serving them, therefore, sharing in the liability.
Luckily, you can purchase a liquor liability insurance policy that goes above and beyond your general liability insurance policy. It isn’t frequent that this is included with your other insurance policy, so check with a licensed insurance agent to determine your need for additional coverage.
If you’d like more information about liquor liability insurance for your restaurant, bar or event, call the insurance agents at Heaton Bennett Insurance. We can get you a policy quickly and explain the benefits of the policy for your specific needs.
Frequently Asked Questions
How is liquor liability different from general liability insurance?
General liability may provide limited or no protection for claims arising from the sale or service of alcohol. Liquor liability insurance is designed to address certain alcohol-related claims, subject to its terms and exclusions.
Which businesses should consider liquor liability insurance?
Restaurants, bars, breweries, wineries, caterers, event venues, and other businesses that sell, serve, or distribute alcohol may need to consider coverage. Requirements and contractual obligations can vary.
Can liquor liability insurance cover alcohol served at a special event?
Coverage may be available for qualifying events, but the date, location, attendance, and alcohol-service arrangements should be disclosed. Texas businesses should confirm coverage before hosting or participating in an event.
Are employees covered while serving alcohol?
Eligible employees may be covered while performing authorized job duties, depending on the policy. Training requirements, prohibited conduct, and exclusions should be reviewed carefully.
Does liquor liability cover every incident involving an intoxicated customer?
No. Coverage depends on the allegations, circumstances, policy terms, and applicable exclusions. Businesses should maintain responsible alcohol-service procedures regardless of their insurance.