If you are the owner of a bar or a restaurant that serves alcohol, you will want to be sure that you have liquor insurance. This should never be considered optional – you definitely need to protect yourself. Every time you or your staff serves a customer a drink, you take on a risk. Without a good way to manage that risk, you could end up paying thousands of dollars. If you have insurance however, these costs could be managed. Without it, your business will suffer a major loss. Don’t take the chance that everything will be fine. Instead, protect yourself with liquor insurance.

This Insurance Will Protect You in Many Cases

One of the most common claims that can be placed against a restaurant or bar is a claim of assault and battery. This can range from fighting between patrons or someone claiming that your employees or security personnel has not done their job correctly. In addition, you will find that there is a liability that comes with serving alcohol. In fact, it is possible that you could be sued if someone who drank at your business brings harm to someone else. Remember, however, if you have liquor insurance, you are protected from these claims. Even if it is found that you are at fault, your policy will pay out damages.

There are Many Types of Coverage Available

Coverage for your bar or restaurant will vary from state to state. For many business owners, an umbrella policy will be a great idea and can cover you in a variety of situations. Some of these include general liability, assault, workers compensation and comprehensive coverage. You may also find that employment practices insurance can help to protect you from claims from your own employees. This will cover everything from sexual harassment to discrimination and wrongful termination. As a business owner, employer practice liability is another type of coverage you may want to consider as well.

In order to learn more about the type of insurance that might be best for your restaurant or bar, you will want to reach out to a local insurance company to find out more about the different policies available, including those that are needed when serving alcohol. Choosing to do this can be the difference between keeping your business after a claim or losing your business because of a claim.

Liquor insurance is available from RSI Insurance. For more information visit the site Website URL