LIQUOR LIABILITY INSURANCE IN WORCESTER, MA
Proudly Providing Liquor Liability Insurance to Companies in Worcester, MA & Many Other Cities and States Across the Nation
Intoxicated individuals sometimes take questionable actions that can cause property damage or personal injury. While individuals are frequently held responsible for any actions they take while inebriated, they aren’t the only party that may be held liable for damage or harm they cause. Any businesses that provided them with alcohol might also be held financially responsible and sued. Liquor liability insurance can help protect businesses in Worcester, Massachusetts that sell alcohol from potential liability lawsuits filed over intoxicated customers’ actions.
What is Liquor Liability Insurance?
Liquor liability insurance is a specialized form of liability insurance that’s specifically designed for businesses which sell alcohol. Policies usually cover claims and lawsuits that seek compensation for harm caused by intoxicated individuals that a business sold alcohol to.
What Worcester, MA Businesses Need Liquor Liability Coverage?
Most businesses in Worcester, MA that make, distribute or sell alcohol should consider getting liquor liability coverage. In fact, businesses are generally required by Massachusetts state law to obtain coverage before getting an alcoholic beverage license.
Some examples of businesses that may be required to have a policy include:
- Wineries, breweries, and distilleries
- Distributors that sell alcohol to businesses
- Bars, taverns, and pubs
- Restaurants that serve alcoholic drinks
- Wine, beer, and liquor stores
- Event venues that provide alcohol
Additionally, businesses that don’t sell alcohol but will be serving it at an event (e.g. a company party) might want to purchase coverage for their event. In these cases, businesses can often obtain a policy that only covers a single event and is, therefore, quite affordable.
What Sorts of Incidents Do Liquor Liability Policies Cover?
The exact coverages that liquor liability policies provide vary, and businesses should read their policy’s terms and conditions carefully to see what protections the policy affords. In general, however, policies provide protection against a number of potential alcohol-related incidents, which may include:
- Falls that inebriated individuals are injured from
- Fights involving intoxicated customers
- Sexual harassment and assault by inebriated individuals
- DWI and DUI accidents that intoxicated customers are involved in
- Alcohol poisoning cases
Policies normally provide help paying for both legal defense fees and any settlements associated with covered incidents.
Do Businesses That Are Insured Need to Check Customers’ IDs?
Having liquor liability coverage isn’t an excuse to stop checking customers’ IDs. It’s not only illegal to serve underage customers alcohol, but doing so can compromise a business’ insurance protection. Many liquor liability policies include language that excludes incidents involving underage customers who were served alcohol.
How Much Does Liquor Liability Coverage Cost?
Insurers base liquor liability premiums on many different considerations, so coverage costs can vary. Some of the factors that might affect a particular business’ premiums are:
- The nature of the business
- What type of alcohol the business serves
- How many customers the business serves
- The business’ past claims history
- The business’ location
In many cases, insurers will reward businesses for implementing best practices that reduce the likelihood of a claim. Businesses can find out if there are any steps they can take to reduce their liquor liability premiums by talking with their insurance agent.
How Can Businesses in Worcester, MA Get Liquor Liability Insurance?
Worcester, MA businesses that need liquor liability insurance should contact an independent insurance agent in the area. An independent agent can help a business compare policies that meet both Massachusetts’ requirements and the business’ needs. By comparing policies from several insurance providers with an independent agent, a business can be confident that it’s getting the best available one.
The Feingold Companies
Worcester Office
446 Main Street, Suite 1403
Worcester, MA 01608
Phone: (508) 831-9500
Fax: (508) 797-4030
New Lakeside & Dudley Insurance
446 Main Street, Suite 1403,
Worcester, MA 01608
Phone: (508) 943-0090
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