Due to alcohol’s impact on consumers, the locations linked to it are often found liable for injuries, damaged property and other alcohol-related offenses. Business owners rely on liquor liability insurance to protect their establishments from unexpected events. However, there are a couple of programs that cover different types of places.

Liquor Liability 

Liquor liability insurance covers a liable organization’s numerous fees following an alcohol-linked incident. This specific program is aimed at businesses that produce, sell and/or distribute alcohol and alcohol products. Some of these covered locations include bars, restaurants and breweries.

Host Liquor Liability 

Businesses under host liquor liability insurance do not manufacture, sell or offer alcohol products, but instead allow patrons to consume it at the location. This rule applies to certain restaurants and venues that host events such as concerts, sports and parties. These businesses can still be held liable for damages and injuries that involve alcohol consumers.

Program Benefits 

Even though these programs service different establishments, they generally provide the same benefits. They protect policyholders from medical, property damage and legal fees resulting from someone’s alcohol use. They are also included in general liability insurance packages, making this protection more convenient.

Whether businesses serve alcohol or merely host its consumption, there are various risks and hazards the owners can face. Liquor liability and host liquor liability programs cover these establishments from resulting expenses.