If you are the owner or operator of a bar, then you need to have high-quality Houston TX dram shop liability insurance on hand. As a bar owner, you operate under the stipulations of a high-risk business. Therefore, you need an insurance policy on hand that can adequately protect you from these risks. In order to effectively make sure that you aren’t held legally responsible in the event that an intoxicated person you served alcohol to causes havoc, you need an insurance policy on hand.
Texas Insurance Agency has been in business for over 20 years, and as a result, we have the knowledge and experience necessary to help match you with a policy that best meets your needs. More than this, we make sure that you understand all the ways that you’re covered when you choose to work with us today. Insurance policies can be hard to understand because the internet is a wide place with so much information.
Furthermore, many agencies will intentionally try to confuse you and loop you into a policy that you can’t get out of. Therefore, you need a team like ours at your side to help you navigate through all of the confusion. Moreover, as insurance holders ourselves, we are constantly looking for the most affordable policies.
Why Texas Insurance?
We won’t wrap you up in the confusion that comes with insurance policies. Instead, we’ll lay everything out for you in an easy-to-read policy that you can understand. When you leave our facility, you’ll be more than happy with the services we’ve provided to you. Truly, we want to make this process as easy as possible to understand for you. If you ever have any questions about it, don’t be afraid to ask. That’s what we’re here for!
Overall, it is our job to match you with a policy that you’ll love. More than this, we want you to understand all of the ways you’re covered by our team. So if you’re ready to learn more about our Houston TX dram shop liability policy, then you can give us a call directly to speak with one of our agents. Or, you can easily keep reading to learn a brief overview of our policy.
What is Houston TX dram shop liability insurance?
Overall, no matter what type of business you own, whether a straight-up bar or just a company that serves alcohol, you need to keep yourself aware of the risks. The 3 most common risks that come with owning your own business include:
- You sell alcohol to a customer that is already intoxicated
- Potentially directly contributing to the continuation of intoxication of an already inebriated customer
- Serving alcohol to minors
Though these issues might not directly result in a liability claim that you are responsible for, it can lead to more serious consequences such as an accident. Moreover, a customer can easily injure themselves or another customer, which can easily result in a large lawsuit coming your way.
So as you can see, having a policy like Houston TX dram shop liability on hand is the best possible way to keep your company protected in every way possible.
What is a dram?
Finally, you may hear of dram shop and liquor liability insurance being used similarly. This is because they are entirely similar. The term dram, however, is commonly used in other countries like Britain and Scotland. There a dram is similar to a pub, tavern, or any other similar place where alcohol is served.
Therefore, you will be adequately protected from any intoxicated-related issue when you have dram shop insurance on hand. We can help you understand all of the ways you are protected.
How much will my policy cost?
Like any other insurance, policy pricing will vary depending on multiple factors. No policy is the same, and no price is ever fully set in stone. The most common factors that influence pricing include the state you live in and how much sales in alcohol you make. Any basic policy will normally start around $500 and will increase based on any other factors that are taken into consideration.
When you own and operate a larger business, normally, you easily make more money than a smaller business will. As a result, you can afford to pay more for a comprehensive policy. If you are a small business, we are more than able to work with you and help you find a policy that best fits your needs.
However, if you would still like to know more about pricing, it is best that you contact us directly to set up an appointment. From there, we can sit down with you and learn your business in order to fit you with a policy that best fits your needs. Finally, we’ll be able to provide you with a quote for our services.
What is covered in my policy?
Houston TX dram shop liability coverage does vary, again, as any other insurance policy does. If you want a more specific and comprehensive policy, then, of course, it will cost you more money.
Your policy will protect you from:
- Personal Injury
- Mental Damages
- Defense Costs
- Assault and Battery
- Employee Coverage
- Property Damage
- Specific Incidents
Contact Texas Insurance today!
Overall, Texas Insurance is a business that keeps its customers at the heart of what we do. Without you, we wouldn’t be able to remain in operation. As a result, we work hard to keep your needs at the center of our business. We want to help you find a comprehensive plan that keeps your business at the heart of it all.
To speak with us directly and set up an appointment, please give our team a call today at 281-398-1010. From there, we’ll be better able to see how we can help you as a business. More than this, by learning your needs, we can better match you up with an agency that understands these needs best.
After all, you need to keep yourself protected with the best possible Houston TX dram shop liability policy around!
Houston TX Fun Facts:
- The Texas Medical Center is the largest in the world.
- In the late-1830s, Houston was the capital of Texas.
- Houston has an underground tunnel system.
- For more information about Houston, TX, visit the city’s website.