Liquor Liability Insurance: Protect Your Business in San Antonio, TX
Request a QuoteWhy Do You Need Liquor Liability Insurance?
If you run a bar, restaurant, or any business that serves alcohol, then liquor liability insurance is something you can't afford to ignore. Picture this: a customer leaves your establishment after a few drinks and gets into an accident, and suddenly, you're held accountable. Scary, right? This is where liquor liability insurance steps in, giving you peace of mind that you're protected against claims involving alcohol-related incidents. At Allison & Thompson Insurance, we know that running a business comes with enough challenges—managing alcohol-related risks shouldn’t be one of them. Call us at (210) 399-0210, and let’s talk about the best coverage options for your business.What Does Liquor Liability Insurance Cover?
You might be wondering what exactly liquor liability insurance covers. Here’s a breakdown of what’s included:**Bodily Injury Claims**
If an intoxicated customer injures someone else, your insurance can help cover the medical expenses and legal costs.
**Property Damage**
Should a customer cause damage to property after drinking at your establishment, liquor liability insurance can cover repair costs.
**Legal Defense**
Defending against claims can get expensive. Liquor liability insurance helps cover your legal fees and potential settlements.
Common Claims for Liquor Liability Insurance
Understanding the types of incidents that can lead to claims is important. Here are a few common examples:| Type of Claim | Description | Average Cost |
|---|---|---|
| Bodily Injury | Customer causes a fight or injures someone else | $10,000 - $100,000 |
| Property Damage | Customer damages another's car or property | $5,000 - $50,000 |
| Legal Fees | Defense in a lawsuit for overserving alcohol | $15,000 - $75,000 |