Fifty-one minutes after reading this blog, someone will die on a road in the United States following a drunk driver. Let's say that sink in a moment.
The insurance industry is no stranger to the bar and tavern shows, but insurance of bar and tavern accounts can be uniquely challenging due to significant factor - the consumption of alcohol. Any establishment that serves alcohol should consider a responsible alcohol coverage, which provides the appropriate insurance for anyone who serves alcohol. And alcohol does not just mean beer; it may include mixed drinks, wine or premium alcohol. A typical commercial liability policy does not provide enough coverage because of the exclusion of liability of alcohol, since no coverage is provided in the sale, service or distribution of alcohol (except for very few situations otherwise known as "host liquor"). liquor liability coverage is an important coverage for restaurants or gourmet establishment also.
bar owners can be put in claims and lawsuits that include allegations of over-serving customers. Arguably the most devastating claims are those for customers leaving the bar drunk and are involved in an accident of motor vehicle. And even if the boss was the driver of the vehicle, the bar is considered responsible for potential on-portion and failure to adequately monitor the intoxication of the boss. Often the driver, if they survive the accident, goes to prison, but the civil action may be brought against the bar.
alcohol-related complaints do not always result in death, but they present an exhibition that can not only damage the reputation of the bar, but could jeopardize the company's survival at all fact
consider some horrific statistics provided by the Centers for Disease Control and Prevention (CDC) :.
- on average, 30 people die every day on US highways after accidents involving a driver intoxicated
- in 2013 :. 10,076 people were killed in alcohol-related accidents; 1149 were under 14 years
- In 2010: .. More than 1.4 million people were arrested for driving under the influence of alcohol or drugs
What can bar owners do to protect themselves? A main objective of the management of this risk is implementing training to serve customers and monitoring for intoxication. Knowing the signs of when a boss has "had enough" and stop service is an important step towards customer safety. There are multiple security programs that can provide necessary instructions, such as training for intervention procedures (TIPS) or alcohol Management Techniques (TAM) and various state programs approved too many to mention. In addition, some states actually require companies to provide server training as a condition of obtaining a liquor license. By controlling alcohol consumption at the server level, these proactive measures help to reduce the potential exposure of the bar
Tell your independent insurance agent. they can help you recognize your specific insurance needs. By having the right cover in place and proactive to minimize poisoning, you are not only protecting your business, but the public at large. We can not control the overall national statistics, but all we can do - both a bar and a boss at the time - could make our little corner of the world a little safer. That this well as well.
The covers here are described in the most general terms, and subject to the conditions and actual policy exclusions. For the actual wording cover, conditions and exclusions, see the policy or contact your agent.
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