Liquor Liability Insurance in Florida
In the State of Florida, purchasing liquor liability insurance is important. Entertainment insurance is expensive in Florida, however, basic liquor liability coverage is required to operate your business.
Obtaining a liquor liability policy is necessary, it provides peace of mind that you are financially covered in case of a liability claim filed in the court against your business. Liquor liability Insurance is available to business-owners such as nightclub and restaurant with a special type of Assault & Battery.
Nightclub Liability Insurance
Nightclub liability insurance policy includes several levels of protection. Any business serving alcohol to the public requires Liquor Liability coverage. Insurance companies require evidence of liquor sales to quote the policy including Assault & Battery.
Florida nightclub liability policy extends coverage to a third-party injured on-premises. When obtaining liquor liability policy, take into consideration all potential liability exposure such as average age of patrons, the location of the club, normal service hours, nightclub size, gross receipts, alcohol sales and premises inclusions are further considered during primary liability coverage options.
Liquor Liability Insurance
The law in the State of Florida requires business-owners serving liquor to carry liquor liability insurance; therefore bars, nightclubs, restaurants and other wet establishments need to obtain this type of insurance coverage. Florida’s Dram Shop Act governs liquor liability laws, which are available in Florida Statutes Section 768.125.
Nightclub facilities under certain circumstances can be charged with a liability claim in the event of bodily injury or death caused by intoxication to any patrons. Any establishment serving alcoholic beverages to individuals of legal drinking ages can benefit from broad liability protection.
Liquor liability insurance further protects bars-owners from legal expenses arising out from physical fight occurs on premises, or any other issues derived from litigation process.
Liquor liability coverage is crucial for any establishment serving liquor, it further protects nightclub businesses from injuries or death occurring beyond the club premises, such as when intoxicated patrons gets involved in car accident while driving back home.
Liquor liability insurance does not cover liability claims for serving alcohol to minors, but policy still be utilized to minimize legal expenses to defend business-owners. Again, Florida requires all nightclubs to maintain liquor liability coverage. Liquor liability insurance policy, carries comprehensive options including Assault & Battery. Every establishment is different—and each one requires different coverage options to remain protected.
What to do next to get a liquor liability quote?
For more details, or need a complimentary Liquor Liability insurance quote, call G. Zein Insurance Services now at (866) 454-9555 or (954) 454-9599, we are here to help you!