Liquor Liability

Liquor Liability fills the gap for those selling alcoholic beverages that are excluded by your Commercial General Liability Policy.

Example: A patron and her boyfriend arrived at the bar around 10:00 P.M. After each had 4 or 5 drinks they left the bar. An hour later, their vehicle crossed over a major highway and struck an oncoming van. The driver of the van had extensive injuries and required numerous surgeries. The Blood Alcohol of the patron was .22 twice the legal limit. The bar was sued for violation of the Dram Shop Act, servicing an intoxicated person, and failing to property hire and train employees. The claim was investigated and later settled for $500,000.  This claim cannot be paid by the Commercial General Liability Policy because it is excluded.  However the Liquor Liability Policy will pay this claim.