As experts in restaurant insurance and risk management issues, we have built upon our experience to develop a portfolio of coverage to address every facet of your restaurant operation. We have years of experience finding the best coverages for bar insurance in Georgia Available coverages include:
Although these are the most essential, here are some other coverages that our clients have chosen to include in their policies.Liquor liability insurance policies can vary from carrier to carrier. Therefore, it is important that you shop around to find out which policy best protects your interests. When looking at liquor liability insurance policies, consider the following features:
Assault and Battery Coverage: When patrons become intoxicated, fights can occur. In fact, many claims that are made against bars are associated with arguments that escalate into physical fights. Assault and battery coverage can help cover these types of situations to ensure that you are well covered no matter what type of situation arises.
Mental Stress and Anguish Coverage: Some patrons may allege that they were mentally injured rather than physically. While some liquor liability insurance policies exclude this type of claim, others may include it to some extent. If this is something that you want to be protected against, shop for a policy that covers damages for mental anguish or injuries.
Defense Costs: If you have a claim filed against you, you will no doubt be confronted by a number of legal bills. Defending a liquor liability claim can be very costly and not all bars have the funding to proceed in such a case. Liquor liability insurance may cover your defense costs in a number of cases to reduce the attorneys’ fees and other legal expenses that you must pay out of pocket.
Employee Coverage: While some bar owners forbid employees from drinking on the job, others permit it to some degree. However, an employee becoming intoxicated while in your bar can become a liability. If you see this is a possible issue, look for a policy that covers employees as patrons.
Rewards and Discounts: Some insurance carriers offer certain rewards or discounts to bar owners who maintain an adequate level of safety in their business or have a good claims history. Some may receive a discount on their premium while others may get offered free training. Look for these types of rewards when shopping for liquor liability insurance.