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?
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General liability that includes coverage for mental
anguish or emotional distress
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Flexibility to provide coverage for renovations
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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 |
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Defense/Expense costs included outside the limits |