A liquor liability insurance policy offers coverage with varying terms. Businesses can purchase these policies as stand-alone coverage or as a rider on a general liability policy. The business must make sure that liquor liability insurance coverage rider is included in the general liability policy or that it has sufficient liquor liability coverage, as such coverage does not come as a standard part of the general liability protection. The policy holder must also examine the liquor liability coverage for any exceptions, such as accidents that occur away from the company’s premises, which may leave the establishment open to other alcohol-related claims.
Some facets of the liquor liability insurance policy include coverage for intoxicated employees, protection from assault and battery cases that occur on the premises and legal defense costs. Leading insurers also offer free or low-cost employee training that can reduce the establishment’s premiums by as much as 20 percent.