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Why Your Club Needs Liquor Liability Coverage

Nightclubs are fun, energetic places people go to when they want to party and forget about the stresses of life. Unfortunately, things can happen to temporarily spoil the carefree atmosphere in your club. Alcohol injuries, violence, theft, and other problems can happen unexpectedly. If you have a good insurance policy in place, you’ll receive important protection against these types of problems. One important type of coverage nightclub owners often overlook is liquor liability for nightclubs. If you serve alcohol at your club, this type of coverage is essential.

Drunk Driving Incidents

Injuries and deaths from alcohol-related accidents are very common, and if you serve alcohol on your premises, you’re at risk of taking the blame for such incidents. Although people are ultimately responsible for their own actions, public perception is that nightclubs and other businesses that serve liquor should prevent drunk people from getting behind the wheel. Victims and their family members are likely to seek compensation for their injuries from the establishment that offered the liquor. To protect yourself from alcohol-related lawsuits, it’s important to have adequate liquor liability coverage in addition to general liability and other types of coverage you may already have.

If you aren’t sure whether your current policy includes liquor liability for nightclubs, talk to your insurance agent. He or she can help you understand what coverage types will offer the best protection for your club.