If you own or operate a bar or a shop that sells alcohol, then you need to look into purchasing Pearland TX dram shop liability insurance today! As a business that sells or distributes alcohol, normally, you are required to have business insurance on hand.
This is to make sure that you are not held responsible in the event that a customer is inebriated and causes an accident. At Texas Insurance, we are one of the few businesses that truly realize accidents are just accidents. More than this, we work really hard to make sure you are provided with the coverage you want, need, and deserve.
With over 20 years of experience in the insurance world, we know the right policies for you. More than this, we are partnered with over 10 different insurance agencies to make sure that you receive variety and affordability in your policies. As insurance holders ourselves, we were always on the hunt for the most affordable policies that didn’t cheap out on quality.
So, if we were looking for this ourselves, wouldn’t it only make sense that we’re providing the same to you too? Quality policies that are also affordable is what Texas Insurance Agency prides itself on.
Why Texas Insurance?
More than this, we understand how confusing insurance policies can be. With so much out there on the internet, it’s more than easy to become lost and confused in a sea of policies you don’t understand.
Many insurance companies do this on purpose to wrap you into policies that you cant get out of due to policy limits. However, you won’t find that here with us. All we provide is the absolute best, and we lay everything out on the line to protect you.
There are no secrets or gimmicks with us: only affordable policies that you need and love. We have been in business for so long simply because of our superior customer service. Without our customers, we wouldn’t be the business that we are today. So we keep that in mind when helping you out.
Overall it is our job to make sure that you leave here with an agency and policy you love. More than that, it is important that we make sure you know how you’re covered. So if you would like to learn more about a Pearland TX dram shop liability policy, give us a call directly to learn more about it. However, if you’re still on the fence, keep reading to learn more about why this policy is important to have.
What is Pearland TX dram shop liability insurance?
There are 3 common major risks that come with owning a business that sells alcohol:”
- Selling alcohol to already intoxicated customers.
- Directly contributing to the continuing of intoxication to an already intoxicated customer.
- Serving alcohol to minors
Even though these events might not directly result in a liability claim on your behalf, they can certainly lead to more serious consequences. Things like injuries to the customer themselves, other customers, or a third-party injury could result in a lawsuit coming back to bite you in the rear end.
Therefore a Pearland TX dram shop liability insurance policy is there to help protect you from events like these happening. You may hear liquor liability and dram shop coverage used similarly. This is because they are the same thing. Notably, a dram is a term used in other countries to refer to a pub, tavern, or another place where alcohol is served. Here we just refer to it as a bar.
So your policy will protect customers and third parties from an intoxicated person that you served yourself. Dram shop laws are finite, so it is important that you know all of the ways your policy will protect you. Also, the state of texas actually requires that bars have this policy on hand too.
How much will this insurance policy cost?
As with any other insurance policy, the pricing will vary depending on many factors, including the state you live in and how many sales you make. A basic policy will start off around $500 and can increase depending on finite factors. If you own and operate a larger business then normally you are making more money than a small business will. As a result, you can afford a more comprehensive coverage plan that fits your budget.
However, for specific pricing details, it is best to call us directly to schedule an appointment. From there, we can sit down with you and figure out your needs as a business. Then after you decide which agency you’d like to pair with we’ll be able to give you a more specific coverage plan quote.
What is covered specifically in this policy?
Pearland TX dram shop liability coverage will vary, again depending on the specific details you pick out. However, generally, it wil cover the following incidents for you, take or leave a few:
- Personal Injury
- Mental Damages
- Defense Costs
- Assault and Battery
- Employee Coverage
- Property Damage
- Specific Incidents
For more specific details of what each policy entails, speak to us directly and we can provide that to you. Overall, these general protections are meant to keep everyone safe and protected.
As a business owner, especially one that serves alcohol, it is imperative that you have a way to make sure that your customers and employees are safe. While it is not your job to babysit, it is your job to have the right protection on hand to keep the people who help your business stay open in good hands.
Contact Us Today!
Texas Insurance Agency wants to help you receive the best possible coverage that we can. So, if you would like to learn more about your policy then give us a call today at 281-398-1010. From there, we can learn your needs and get to know you better as a company. This will help us match you with an agency that knows and understands your needs best.
We know that not all businesses are the same. And we won’t treat you like it. But in any event, the best possible way to keep your business protected is by purchasing a comprehensive Pearland TX dram shop liability insurance plan today!
Pearland TX Fun Facts:
- It is the second-fastest-growing city in Texas
- There are two airports in Pearland
- Downtown Houston is only a short drive away from Pearland
- For more fun facts about Pearland Tx, visit our official website.