Protect Your Business With Liquor Liability Insurance

November 30, 2012
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Liability InsuranceIf you own a business in New Jersey, Delaware Valley and Pennsylvania (like a restaurant or bar) that sells liquor, serves liquor, produces liquor, or makes liquor available to customers, then you need to protect yourself and your business with liquor liability insurance.

As a business owner that offers liquor to customers, you might be subject to the following liabilities…

  • Server liability: an employee serves liquor to someone, who is intoxicated
  • Owner liability: applies to the individual or organization that owns the property
  • Employer liability: an employer is responsible, if employees consume liquor while working
  • Dangerous activity liability: an establishment is responsible, if customers are endangered by the actions of others

Here is a list of ways your business in New Jersey, Delaware Valley and Pennsylvania can reduce its risk of liability…

  • Protect your business with liquor liability insurance.
  • Train employees on how to regulate customers’ liquor consumption.
  • Refuse to serve already intoxicated customers.
  • Provide readily available taxi service or promote the use of a designated driver.
  • Refuse to serve liquor to minors, who are under 21.
  • I.D. everyone.
  • Prohibit employee liquor consumption, while on the job.

If you own a business that sells liquor, serves liquor, produces liquor, or makes liquor available to customers, then you need to protect your business withliquor liability insurance.

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