Tag Archives: liquor liability

Dealing with Intoxicated Patrons

Have you ever had a customer slurring their speech and asking for yet another drink? Perhaps a customer drinking and showing off, while being loud or obnoxious inside of your business? How about someone drinking excessive amounts of alcohol within a short period of time?

All these can be signs of intoxication. As a bar or restaurant owner, it may seem as though intoxicated customers just come with the line of business you are in. However, it’s how you deal with these intoxicated customers that can make all the difference.  (more…)

Understanding Assault and Battery Insurance Coverage

The hospitality business is all about patrons having a good time. Most business owners are vigilant about preventing verbal and physical altercations. But sometimes a situation may escalate leaving your business vulnerable to an Assault and Battery liability claim.

Assault is usually defined as “an act that threatens physical harm to a person.” Battery is generally defined as “the crime of unconsented physical contact with another person.”

For many in the hospitality industry, Assault and Battery is a concern – particularly if your establishment serves alcoholic beverages.

Did you know that many insurance carriers exclude this coverage for bars? (more…)

Liquor Liability: Limit Your Exposure

Businesses in the hospitality industry (bars, restaurants, hotels) provide a fun and relaxed atmosphere for clientele to briefly escape their everyday routines. While these establishments look for ways to distinguish themselves from the competition, they often share one common feature: a bar. Alcohol service, the commercial sale of alcohol, creates unique risks and exposures which business owners must not only address by having specific guidelines in place; they must also strictly enforce.

The Problem (more…)