Liquor liability

In practiceA patron you served leaves intoxicated and causes harm, and liquor liability responds to the claim against your business.

Not coveredServing a clearly over-served or underage patron against the law can undercut coverage.

In practiceAn intoxicated guest injures someone or damages property, and this covers the resulting liability.

In practiceA grey-area claim with no clear damages still goes to court, and defence costs are covered.

In practiceFrom a neighbourhood bar to a one-night event, coverage is available wherever alcohol is served.

Not coveredStandard business policies usually exclude alcohol claims, which is exactly why this is separate.