LIQUOR LIABILITY INSURANCE IN WORCESTER, MA

Some examples of businesses that may be required to have a policy include:

• Wineries, breweries, and distilleries
• Distributors that sell alcohol to businesses
• Bars, taverns, and pubs
• Restaurants that serve alcoholic drinks
• Wine, beer, and liquor stores
• Event venues that provide alcohol

Additionally, businesses that don’t sell alcohol but will be serving it at an event (e.g. a company party) might want to purchase coverage for their event. In these cases, businesses can often obtain a policy that only covers a single event and is, therefore, quite affordable.

What Sorts of Incidents Do Liquor Liability Policies Cover?

The exact coverages that liquor liability policies provide vary, and businesses should read their policy’s terms and conditions carefully to see what protections the policy affords. In general, however, policies provide protection against a number of potential alcohol-related incidents, which may include:

• Falls that inebriated individuals are injured from
• Fights involving intoxicated customers
• Sexual harassment and assault by inebriated individuals
• DWI and DUI accidents that intoxicated customers are involved in
• Alcohol poisoning cases

Policies normally provide help paying for both legal defense fees and any settlements associated with covered incidents.

Do Businesses That Are Insured Need to Check Customers’ IDs?

Having liquor liability coverage isn’t an excuse to stop checking customers’ IDs. It’s not only illegal to serve underage customers alcohol, but doing so can compromise a business’ insurance protection. Many liquor liability policies include language that excludes incidents involving underage customers who were served alcohol.

How Much Does Liquor Liability Coverage Cost?

Insurers base liquor liability premiums on many different considerations, so coverage costs can vary. Some of the factors that might affect a particular business’ premiums are:

• The nature of the business
• What type of alcohol the business serves
• How many customers the business serves
• The business’ past claims history
• The business’ location

In many cases, insurers will reward businesses for implementing best practices that reduce the likelihood of a claim. Businesses can find out if there are any steps they can take to reduce their liquor liability premiums by talking with their insurance agent.

How Can Businesses in Worcester, MA Get Liquor Liability Insurance?

Worcester, MA businesses that need liquor liability insurance should contact an independent insurance agent in the area. An independent agent can help a business compare policies that meet both Massachusetts’ requirements and the business’ needs. By comparing policies from several insurance providers with an independent agent, a business can be confident that it’s getting the best available one.