Any business that has a liquor license has a responsibility to protect itself in the event of litigation. Liquor liability insurance programs are important strategic investments because they can protect owners from any potential damages that could arise.

A common fact about alcohol is that it impairs judgment. Historically, the effects of liquor gave rise to legal manifestations such as the Temperance Movement and prohibition. In all these manifestations, it was not the individuals who imbibed in the practice of alcohol consumption who were held accountable, or even to a lesser extent the manufacturers. The people who distributed the liquor were the ones chiefly held responsible.

Over the years, even though the temperance movement died down and prohibition repealed, the notion that establishment owners are responsible for consumer consumption has not diminished. Many people still place the blame for any accident involving alcohol on places that serve alcoholic beverages as part of an entertainment package.

Places selling alcoholic beverages designated as entertainment venues can include, but are not limited to full-service restaurants, nightclubs, gentlemen’s clubs or bars that have karaoke nights, live bands or comedy. Other venues can also include concert halls, bowling alleys and sporting events.

Liquor liability insurance programs can cover a wide range of incidents and is critical to the continued success of any business. For more information on getting coverage, visit this website.