LIQUOR LIABILITY INSURANCE
  • GET A QUOTE: Call Toll Free (800) 707-4690
  •  

    Why Buy Liquor Liability in a State with Favorable or No Dram Shop Laws?

     

     

    We live in a litigious society with catastropic injuries associated with liquor liability accidents

     We live in a litigious society with catastropic injuries associated with liquor liability accidents

    Sympathy for the victim can trigger high jury awards, regardless of fault

     

    Insurance protects the business and personal assets in the event of a large jury award

     

    Defense costs can be expensive

     

    USLI provides a defense counsel that specializes in liquor liability with proven track records to advocate for the policyholder and provide guidance

     

    Insurance provides peace of mind and protects assets and the business

     

    Opportunity to purchase assault or battery coverage


    Claim Example:

    A retail liquor store sold alcohol to an adult who provided it to a minor. That minor became intoxicated and caused an auto accident resulting in death and serious injury to passengers. In the state where this accident occurred, a commercial seller of alcohol is only legally liable if they sell alcohol to an obviously intoxicated minor.

    Despite the fact that a minor did not purchase the alcohol, multiple plaintiffs filed suits. The insured was covered by liquor liability insurance.

     

    At the direction of a USLI claims examiner, the defense counsel filed a request that the court reject the suit based on a failure to state a legally recognizable cause of action. The court granted the request and one plaintiff dismissed their action. The other plaintiff filed an amended complaint to which the insured’s counsel again filed the same request. This time the court overruled the request, letting the suit continue, and the insured appealed. Ultimately, the remaining plaintiff dismissed their suit.

     

    Total legal defense costs: $48,460 Total cost to the insured: $0*

     

    *Aside from insurance premiums.

    Bar and Restaurant Product

    Do you have the right coverage?

    u        General liability that includes coverage for mental anguish or emotional distress

    u        Flexibility to provide coverage for renovations

    u        Coverage for your liquor liability exposure

     

    Why choose our Bar and Restaurant product?

    OUR TEL: (800) 707-4690


     

    COVERAGE FEATURES

    General liability that expands the definition of bodily injury to include mental anguish or emotional distress with no deductible

    Liquor liability coverage available

    Replacement cost coverage available

    Special cause of loss available

    Loss of income coverage including loss of rents available

    Equipment breakdown coverage including a $250,000 food spoilage sublimit available

    Value Plus endorsement is available on accounts eligible for Special Form offering 15 valuable coverage enhancements including: water back-up, money and securities, employee dishonesty, signs, electronic data, transit and more

    Specialized claims unit with expertise in liquor liability

    Assault or battery covered on many risks

    Defense/Expense costs included outside the limits

    Liquor Liability Insurance Brochure

    Liquore Liability Insurance

  • GET A QUOTE: Call Toll Free (800) 707-4690
  •  

    We write insurance policies through the following insurance companies in Los Angeles, Beverly Hills, Santa Monica, West Hollywood, Hollywood, Malibu, Bel Air, West Los Angeles, Westwood.:

     

    ACE Insurance
    ACE PRIVATE RISK SERVICES Insurance
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    AMERICAN CONTRACTORS IND Insurance
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    CALIFORNIA MUTUAL Insurance
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    CHARITY FIRST Insurance
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    CHUBB Insurance
    CNA Insurance
    CNA SERVICE CENTER Insurance
    CNA - WESTERN SURETY Insurance
    CNA PRO Insurance
    COMMERCE WEST Insurance
    COMPWEST Insurance
    CSE Insurance
    DEANS & HOMER Insurance
    DONGBU INS CO Insurance
    EMC Insurance
    EMPLOYERS COMPENSATION Insurance
    EXPLORER Insurance
    FIDELITY & DEPOSIT Insurance
    FIREMANS FUND Insurance
    FIRST AMERICAN SPECIALTY Insurance
    FIRST COMP Insurance
    FOREMOST SPECIALTY Insurance
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    INFINITY Insurance
    INSCO DICO Insurance
    K & K INSURANCE
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    MIDWEST Insurance
    MJ HALL Insurance
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    ONE BEACON Insurance
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    OREGON MUTUAL Insurance
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    TRAVELERS Insurance
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    ULICO Insurance
    UNITED FIRE Insurance
    UNITRIN/FINANCIAL INDEMNITY Insurance
    US ASSURE Insurance
    US RISK Insurance
    VICTORIA INS Insurance
    WRIGHT FLOOD Insurance
    ZENITH Insurance

     

     

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