Most people like to have a drink when out to dinner now and then. However, the vast majority of us know the risks associated with alcohol consumption. The problem is, when someone drinks, their ability to make responsible choices lessens. For restaurant owners this might spell a problem.
If you serve alcohol, you take on a degree of responsibility for patrons' safety. After all, by serving them, you are aiding in their intoxication—even though you don’t do so maliciously. Therefore, you might be a culpable party if something happens to them. What happens when situations like this occur? Can your insurance come in handy?
Carry Liquor Liability Insurance
If you serve someone alcohol in your restaurant, that person might become drunk. When someone becomes drunk, they do not have the best judgment or control of their bodies or actions. They might make decisions that harm them, someone else, or someone else’s property.
Some laws hold the restaurant responsible problems involving intoxicated customers. As a result, the affected parties might have the grounds to sue the restaurant. Let’s say that an intoxicated diner punches someone in the face after a disagreement in the parking lot. The injured party might decide to sue the restaurant. They might make the argument that the restaurant was the reason the person became drunk. In some cases, this argument does hold up in court.
In these cases, a liquor liability insurance policy can come in handy. It can help if someone becomes intoxicated in your restaurant, and then harms a third party. You can often settle or fight claims that result from harmful incidents by using this policy.
Tell your insurance agent that you serve liquor in your business. They can help guide you to establish the correct policy. Your liquor liability insurance can likely work alongside your property and injury liability policies. That way, it might help accommodate harm to the intoxicated person or someone else.
Even so, don’t let your insurance be your first line of defense. You, the owner, must be your own police force. You likely have the right to stop service to any intoxicated customer at any time. Therefore, if you see someone who is becoming a risk to themselves or others, take action. Always remain vigilant, because by doing so, you create a safer environment. Check your local liquor regulations to make sure you always know how to serve patrons.
Also read: Minimizing General Liability Claims for Food Poisoning