If you are a business that sells, distributes, or serves alcohol, then you need to protect yourself with a quality Pearland TX liquor liability insurance policy today! Texas Insurance Agency is a business that can help you do just that! We have been in business for over 20 years, and as a result, we have the experience necessary to help you receive the highest quality of services possible. More than this, our extensive experience has allowed us to meet and work with over 10 different insurance companies. Therefore, we can help match you with a policy that meets your needs to a tee.
With all of the confusing insurance jargon out there, it is more than easy to become lost in a sea of policies that don’t make sense. As a result, you end up looped into policies that you cant get out of until your policy limit is up. However, with Texas Insurance, we do not do this.
Choose Texas Insurance!
We always lay everything out for you in an easy-to-understand policy in order to make sure that you know exactly what you’ve signed up for. There are no gimmicks or strings attached with us, only policies that help you save money while keeping your business protected.
As insurance holders ourselves, we always look for the most affordable policies ourselves. So if we’re looking for affordable products too, wouldn’t it make sense that we provide the same for our customers? As you can see, all you get with us is high-quality customer service.
We don’t leave you in the dark when you choose to work with us. So, if you would like to learn more about our Pearland TX liquor liability insurance policy, you can call us directly or keep reading to learn more about the ways a policy can help you out.
What is Pearland TX liquor liability insurance?
Liquor liability insurance helps protect your business that sells and distributes alcohol from legal ramifications. These incidents can include anything from an injury to property damage. If an intoxicated or inebriated person causes any of the above to happen, your business and themselves are protected under this policy. More specifically, this insurance policy helps protect you from:
- Legal Costs
- Settlements or judgments from the court
- Costs of repair to fix damages to your property
- Medical bills used to treat an injury
As you can see, there are many ways that Pearland TX liquor liability insurance can help keep your business protected from any potential incidents that occur.
What does my policy cover specifically?
Aside from general injury and damages, liquor liability goes the extra mile to make sure that all angles of your business are protected. For instance, liquor liability covers assault and battery. Let’s say that you serve Sam alcohol, and then sam proceeds to go and fight another person. Your policy will cover the fallout of this incident.
Next, if a drunk driver who was served by your business causes a severe accident that leads to the injury of another party, your policy will help cover the costs of this as well.
Finally, your policy covers property damage that occurs to someone else’s belongings. At its most comprehensive, there is nothing that your policy cant do to protect you. More than this, it will keep you safe from legal ramifications that can ensue as a result of an alcohol-related incident.
Does my business need liquor liability insurance?
If your business sells, distributes, or serves alcohol to customers, you need a liquor liability policy on hand. The most common businesses that will use this policy include restaurants, caterers, liquor stores, and grocery stores. Some states have more specific policies for places like dram shops, which operate differently than others.
With these businesses, you are held completely liable if you serve someone alcohol and they go out and cause severe injuries or property damage. In this event, it is best to speak with your insurance provider directly to understand how you need to be covered.
There are currently thirty states that operate with dram shops laws.
How much will my policy cost?
As with any other policy, the costs can vary. Usually, it will cost your business anywhere from several hundred dollars to thousands of dollars to keep your business protected. However, before you purchase any policy, we can provide you with a quoted estimate for multiple insurance carriers. This way, you’ll be able to know if the policy is actually affordable for you or not.
The most common factors that influence the cost of a policy include:
- Your industry: With a more at-risk business, you are held liable for more mishaps, which can increase your insurance rates. As a business that sells alcohol, you may hold more risks potentially.
- Business Location: If you operate in a state with dram shop laws, you will find yourself paying more potentially.
- Coverage Limit: Overall, if you seek a higher coverage plan, you will find yourself paying more out-of-pocket costs for your premium.
- Liquor Sales: Finally, if you are a high-operational business, your costs will easily be much higher. The more you make, the more money you are able to pay towards a policy.
Every policy will differ in price. So if you would like to receive a more in-depth quote, it is best to call our team directly and speak with our agents.
Contact us today!
There is no better insurance company out there than Texas Insurance. Overall, we seek to provide the absolute best in customer service. This includes making sure that you know how you’re covered by whatever policy you choose.
We can match you up with agencies that provide affordable rates for Pearland TX liquor liability insurance. More than this, you will not walk out of our facility without knowing all of the ways you’re protected.
As we said before, there are no strings with us. Only affordability and the promise that we’ll serve you in every way we possibly know-how. Choose Pearland TX liquor liability insurance 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.