Being a bar owner is no easy feat. In addition to ensuring your patrons have an amazing time, you must take the proper steps to protect yourself and your establishment from legal issues. Having a liability insurance policy in place is one way to do this, as illustrated by the following information.

Why Bar Owners Need Liability Insurance

1. Underage Patrons

Underage drinking is no laughing matter, especially for bar owners. Along with educating staff on how to spot underage patrons, as well as their fake IDs, you should also have liability insurance in place in the event someone slips through. The financial costs of serving a person underage, even mistakenly, can be exorbitant. If you don’t have the capital to cover these fines and penalties, your establishment could be on the line.

2. Drunk Drivers

In recent years, there has been an influx of lawsuits levied at bar owners in relation to drunk drivers, as bars can be cited for serving a person who was already visibly inebriated. Liquor liability is key in this regard, as the subsequent DUI trial is bound to be quite expensive, especially if charges stemmed from a car accident.

3. Fights

Some people get taken by the fighting spirit when drunk. This can lead to altercations within your bar, which could injure people involved in the fracas, as well as innocent bystanders. Even if you had no way or preventing what occurred, you could still be held accountable in any ensuing lawsuits. To cover court costs, as well as pay any damages that come your way, you must have liability coverage in place.

If you’re a bar owner in San Marcos, TX, in search of coverage, Integrity Insurance Solutions is here to help. They offer general liability policies and more to local business owners to ensure they can focus on running their businesses without worry. If you’d like coverage for business’s structure, they also provide commercial property policies, which offer funding for damage, theft, fire, and other perils. Call (512) 396-2211 today to get started on your personalized quote. You can also learn more about the services offered, including personal insurance policies, by visiting the website.