From Bars to Banquet Halls: Why Liquor Liability Insurance Matters
At Ferrera Insurance Agency, we understand no two businesses are alike, especially in the food and beverage industry. Whether you own a quaint winery, a bustling restaurant, or plan large-scale events, if alcohol is part of your operation, liquor liability insurance should be too.
What is Liquor Liability Insurance?
Liquor liability insurance protects businesses that manufacture, serve, or sell alcohol. It covers legal fees, settlements, and medical costs associated with bodily injury or property damage caused by an intoxicated person who was served or sold liquor by the policyholder.
Who Needs Liquor Liability Insurance?
If your business sells, services, or distributes alcohol, liquor liability coverage is essential. Types of businesses that may need liquor liability coverage include:
- Restaurants
- Wineries
- Breweries
- Catering companies
- Liquor stores
Whether you operate full-time or host an occasional event, your risk is the same and we can help manage it.
What Does Liquor Liability Insurance Cover?
At Ferrera Insurance Agency, we have a variety of coverage ready to protect your unique business including:
- Property
- Liquor Liability
- Product tasting on- or off-premises
- Harvested crops
- Product leakage
- Spoilage
- Contamination
- Delivery errors and omissions
- Employee dishonesty
Additionally, we offer on TAP server training, on-site inspection, flexible billing plans, and multiple payment options, to better assist your business. If you’re unsure whether your business needs liquor liability insurance or if your current policy is enough, then Ferrera Insurance Agency is here to help.
Call us today to schedule a time to sit down, review your risks, and build a policy that protects your reputation and your livelihood.