Liquor Liability Insurance in Murray, UT

Businesses that serve, sell or distribute alcohol, such as bars, restaurants, nightclubs and event venues, are typically required to carry liquor liability insurance. This specialized coverage can be essential for protecting establishments from legal and financial consequences that may arise if a patron causes harm or damage after consuming alcohol on the premises.

What Does Liquor Liability Insurance Cover?

Liquor liability insurance can help cover claims related to bodily injury, property damage or accidents caused by intoxicated customers. For example, if a patron leaves a bar intoxicated and causes a car accident, the establishment could be held partially liable for overserving that individual. Without proper insurance, such incidents could result in costly lawsuits and financial ruin.

Is Liquor Liability Included Under General Liability?

In Utah, liquor liability is not typically included in general liability policies, making it crucial for business owners to obtain separate coverage. Insurers like Statewide Insurance Agency offer tailored policies that address the unique risks associated with alcohol service. These policies often include coverage for assault and battery, legal defense costs and incidents occurring off-premises.

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Whether you’re opening a new bar or hosting a one-time event with alcohol service, securing liquor liability insurance is not just a legal requirement—it’s a wise investment in your business’s future. Consulting with an insurance provider can help you get the right coverage to meet your needs and stay compliant with state laws. For liquor liability insurance near you, contact Statewide Insurance Agency.