Author Archives: Brad Korkow, Society Insurance Regional Sales Manager

About Brad Korkow, Society Insurance Regional Sales Manager

Brad has been in the insurance industry since 1985 and has experience in claims, field underwriting, marketing, and sales. He has spent the last 17 years of his career with Society Insurance and is currently a Regional Sales Manager working with agents in southwest Wisconsin and eastern Iowa. Brad has earned his CIC, CPCU, AU, and AIC designations. In his free time, Brad enjoys spending time with his family, boating, and golf.

Liquor Liability Laws: Do I Need Liquor Liability Insurance?

It is highly advisable to purchase liquor liability insurance if you operate a business that sells alcohol. Liquor liability insurance provides protection from litigation involving alcohol incidents. Laws regarding the selling and consumption of alcohol are not established by the federal government, so it is best to check to see if your state has liquor liability laws. Local authorities establish and enforce these laws which means the specific guidelines as to who can sell, purchase, and consume alcohol and under what conditions – as well as the punishments for violation – vary widely across jurisdictions. Although all fifty states have a minimum drinking age of 21 and maximum limit for blood alcohol content allowable to operate a vehicle, that’s where the similarities end and differences begin. Mismanagement of the commercial sale of alcohol at your bar could threaten the success of your business due to increased liability exposure, both criminal and civil.

Interested in learning more tips to keep you bar safe? Read, ‘Overlooked Bar Safety Tips Your Tavern Can’t Miss.

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Why is Insurance Important?

Society Insurance recently had a significant fire loss in Wisconsin. We insured a general contractor who was building a condominium structure that caught on fire. Unfortunately, the fire resulted in the total loss of the condominium building, the loss of construction equipment, and significant damage to the siding of adjacent homes in the area.

Due to the size and scope of the fire, a considerable amount of time and money was spent trying to determine the cause of the fire. Investigators were able to rule out several possibilities, including electrical, as the cause but they were unable to determine the actual cause of the fire. (more…)