Liquor Liability Insurance

One of the riskiest business ventures from a liability standpoint is anything that serves alcohol. The inherent dangers in alcohol consumption demand extra protection for you as a business owner. Liquor liability insurance gives you the peace of mind you need to enjoy growing your company.

The independent team at Lake Region Insurance Agency can help you navigate the insurance journey. We will make sure you have the protection you need without selling you policies that don’t serve you. Give us a call to get a free quote.

Do I Need Liquor Liability Insurance?

This type of policy is a must-have if you own any of the following kinds of business:

• Bar
• Restaurant (if you serve alcohol)
• Liquor Store
• Convenience Store
• Night Club
• Brewery
• Tavern
• Fraternal Club
• Mobile Bar
• Event Venue

Though most owners understand the imperative nature of this type of coverage, they may not know where to obtain the best policies or how to decode state and local coverage requirements.

At Lake Region Insurance Agency, our business is to help keep you in business. Our independent agents can shop the market to find you the best value and coverage.

What Does a Liquor Liability Policy Cover?

This type of insurance protects you against claims arising from you serving alcohol to a customer. They could get hurt, cause damage, or cause a car accident after consuming alcohol at your establishment. And then you could be at risk for a lawsuit. 

Your liquor liability policy covers:

• Third Party Bodily Injury – If your customer harms someone else, the victim may file a lawsuit against your business. Your policy can pay for medical costs, lost wages, or other expenses related to the incident.
• Third Party Property Damage: If your customer drives into someone’s fence on the way home, you could be liable for the damages.
• Assault and Battery: If your intoxicated customer starts a fight resulting in injury or property damage, this plan can cover your costs. 

Regardless of the specific situation, the medical expenses, damage costs, and legal fees can add up quickly. A liquor liability insurance protects your investment and livelihood.

You can tailor your coverage to suit your particular needs. Your agent will help you choose the limits of coverage in your policy so that you can rest easy.

Lake Region Has the Policies You Need

After putting in the hard work to build up your company, it is critical that you protect it. Any business that serves alcohol is at risk, but the Lake Region agents can help you mitigate yours.

We love our Greater Minnesota watering holes, breweries, convenience stores, and eateries. We’ll help you find the coverage you need with premiums to fit your budget. And we offer multi-policy and multi-line discounts to save you money while you protect yourself.

Business ownership takes a lot of courage and a reasonable anticipation of the unexpected. You can count on Lake Region Insurance Agency to help you safeguard against the “what ifs” before they become financial emergencies. 

Call us today or visit our website for a free insurance review and policy quote.