December 13, 2019

Why You Need Liquor Liability Insurance

Businesses that sell, serve, or assist with liquor consumption should have liquor liability insurance. Alcohol can affect the way people perceive the world around them and can cause issues physically. Accidents happen, and injuries can occur. Property damage is another possible issue. Businesses such as restaurants, bars, and clubs should obtain this insurance right away.

Most states in the United States require establishments that sell alcohol to have liquor liability insurance. However, Texas is not one of those states. Texas Insurance Agency suggests any establishment that sells alcohol should secure a liquor liability insurance policy as soon as possible.

What does Liquor Liability Insurance Cover?

Texas Business Insurance

Restaurants, bars, and taverns should consider liquor liability insurance.

Liquor liability insurance covers several possibilities when it comes to alcohol. It helps cover bodily injuries and damages to property because of alcohol consumption. Legal fees associated with lawsuits are also included. These fees can significantly affect a small business if it does not have a liquor liability policy.

Texas and many other states have laws known as “Dram Shop” laws. Dam Shop laws make businesses liable if they serve customers who are clearly intoxicated. These laws make it easier for customers to sue establishments where they consumed alcohol.

For example, a customer leaves the bar and drives home drunk. That person then gets into an accident that kills someone. The drunk driver and the family affected by the death can sue the bar the driver was drinking. Texas Insurance Agency works closely with numerous insurance providers so small businesses can get the best bang for their buck.

A small business could quickly be taken under if they are hit with numerous legal fees. Secure your business’s safety with this insurance policy. It will help cover your tracks and keep your business running. The last thing business owners want is to lose their business. We understand how important your business is to you, and we want to help you protect it.

Get in touch with Texas Insurance Agency today. You can call us at (281) 398-1010. Ask us about the multiple types of policies we can provide you. Your small business may also need other commercial insurances. Give us a call today to protect your business.

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