LIQUOR LIABILITY INSURANCE
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
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
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
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COVERAGE FEATURES |
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General liability that expands the definition of bodily injury to include mental anguish or emotional distress with no deductible |
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Liquor liability coverage available |
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Replacement cost coverage available |
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Special cause of loss available |
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Loss of income coverage including loss of rents available |
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Equipment breakdown coverage including a $250,000 food spoilage sublimit available |
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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 |
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Specialized claims unit with expertise in liquor liability |
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Assault or battery covered on many risks |
|
Defense/Expense costs included outside the limits |
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
AIG Insurance
AMERICAN CONTRACTORS IND Insurance
AMERICAN STRATEGIC Insurance
AMTRUST Insurance
AMWINS Insurance
ANDERSON & MURISON Insurance
APPALACHIAN UND Insurance
APPLIED UNDERWRITERS
Insurance
ARROWHEAD Insurance
ATLAS Insurance
BBSI Insurance
BERKSHIRE HATHAWAY HOMESTATE Insurance
BROWN & RIDING Insurance
BUILDERS & TRADESMAN
Insurance
BURNS & WILCOX Insurance
CALIFORNIA
MUTUAL Insurance
CBIC Insurance
CENTURY NATIONAL
Insurance
CHARITY FIRST Insurance
CHARTIS
Insurance
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
FOREMOST AUTO Insurance
FOREMOST
BUSINESS Insurance
GEOVERA Insurance
GREAT
AMERICAN Insurance
GUARD INS CO Insurance
HAGERTY
Insurance
HANOVER Insurance
HARTFORD COMMERCIAL
Insurance
HARTFORD Insurance
HARTFORD PERSONAL LINES Insurance
HCC
SPECIALTY Insurance
HCC SURETY Insurance
ICAT
MANAGERS Insurance
ICW Insurance
INFINITY
Insurance
INSCO DICO Insurance
K & K INSURANCE
KEMPER PREFERRED Insurance
KEMPER SPECIALTY Insurance
LIBERTY MUTUAL Insurance
LIBERTY MUTUAL SURETY
Insurance
LIG - Leading Ins Co Insurance
MARKEL
Insurance
MCGRAW Insurance
MEERCURY Insurance
METLIFE Insurance
MEXIPASS Insurance
MIDWEST
Insurance
MJ HALL Insurance
NATIONAL GENERAL
NATIONWIDE LIFE Insurance
NATIONWIDE Insurance
NON
PROFITS INS ALLIANCE Insurance
ONE BEACON Insurance
OLD REPUBLIC Insurance
OREGON MUTUAL Insurance
PACIFIC COMPENSATION Insurance
PACIFIC GATEWAY
Insurance
PHILADELPHIA Insurance
PREFERRED
EMPLOYERS Insurance
PROGRESSIVE Insurance
RCA
INSURANCE Insurance
REPUBLIC INDEMNITY Insurance
RLI SURETY Insurance
RYAN SPECIALTY GROUP Insurance
SAFECO Insurance
STAR SURETY Insurance
SELECTIVE
FLOOD Insurance
STILLWATER Insurance
SUREPRODUCTS
Insurance
SURETY CO OF THE PACIFIC Insurance
SURTEC INS CO Insurance
TRANSGUARD INS CO Insurance
TRAVELERS Insurance
TRAVELERS COMMERCIAL SERVICE
CENTER Insurance
UCA Insurance
ULICO Insurance
UNITED FIRE Insurance
UNITRIN/FINANCIAL INDEMNITY
Insurance
US ASSURE Insurance
US RISK Insurance
VICTORIA INS Insurance
WRIGHT FLOOD Insurance
ZENITH Insurance
Tired of confusing statements on the web? Not getting
the services you desire? Or do they make you go through
so many automated systems and not letting you talk to a
real person? Then you are in the right place to
change all of those.
Services
- Personal Insurance Products
- High Value Autos and Homes
- Business Insurance Products
- Commercial Property Insurance
- Workers Compensation Insurance
- Professional Liability Insurance
- Commercial Auto Insurance
- Employment Practices Liability (EPLI)
- Earthquake Insurance
- California Fair Plan Insurance
Sun Insurance and Financial Associates
9201 Wilshire Blvd Suite 100
Beverly Hills, CA 90210
Telephone:
(310) 860-5000