Bars, clubs, and restaurants that serve alcohol have unique insurance needs. Intoxicated patrons increase the risk of incidents involving physical injury, property damage, and other serious consequences. To protect your establishment, make sure it’s covered by the following policies. 

What Insurance Policies Do You Need If Your Business Sells Alcohol?

1. General Liability

This policy offers protection for injuries at your establishment, customer property damage, and advertising injuries, such as defamation or copyright infringement. It’s required for the majority of businesses, whether or not they serve alcohol.

Work with an experienced insurance agent to ensure all aspects of your business are covered. If you have a unique feature, like a mechanical bull or an arcade room, the usual policy won’t cover the additional risk it involves. An agent will make sure additions are provided to keep your business secure.

2. Liquor Liability

This policy covers physical injury and property damage caused by patrons who were overserved at your establishment. The specific terms of your liquor liability policy will depend on factors such as the nature of your business and the percentage of alcohol sales compared to total sales. The more alcohol you sell, the more coverage you’ll need. 

3. Assault & Battery Liability

Most liquor liability policies don’t cover incidents involving assault and battery. Since the presence of alcohol increases the risk of these incidents, you’ll need assault and battery liability insurance. This policy can cover medical and legal fees associated with assault, or a threat to someone’s safety, and battery, which is defined as a physical conflict.

To keep your business safe, trust the team at Barry Insurance. Based in Texarkana, TX, they’ve protected businesses and individuals for over 50 years. Serving clients in Texas, Arkansas, Louisiana, and Oklahoma, the team will ensure your company has all the necessary insurance to reach its full potential. To learn more about how they can help you, visit them online or call (903) 831-3493.