California RBS
Whether you own a bar, club or an alcohol-serving restaurant, it is likely that your customers may become intoxicated. In their intoxicated state, they may get into road accidents, show a hostile behavior towards other customers and may damage your property. If the injured person sues your business for over-serving alcohol, you may face legal penalties. In order to keep your business safe from such risks, it is essential to get it insured.
What Is Liquor Liability Insurance?
Liquor liability insurance isn’t a new name for alcohol serving businesses. This coverage is important for every winery, brewery, restaurant, bar and tavern. If you want to get the coverage for your business, make sure it includes the following features.
· Legal Costs
If a person sues your business, you have to defend your business in the court. If your policy doesn’t pay for legal expenses, you may end up spending the entire amount on paying legal fees and won’t be left with enough money to pay for the damages to your property.
· Assault Coverage
If an intoxicated customer gets into a fight, the injured person may allege your business. Choose an insurance policy that covers the expenses of assault claims. Most liquor liability insurance policies include assault and battery coverage. However, it is recommended to discuss the coverage before buying a policy.
The other person can also make a claim for non-physical injuries, stating that the incident has caused them mental anguish and stress. Not every insurance policy covers mental injuries. Therefore, make sure that the policy you choose covers these expenses so as to prevent losses to your business.
· Employee Coverage
Servers at a bar are likely to drink a few glasses of wine during their working hours. Look for an insurance policy that covers employees as patrons. Provide essential training to your employees in order to reduce the risk of such accidents.
· Discount Offers
Do not forget to ask for discount on premiums if your staff is well-trained. Some insurance providers also arrange free trainings for their policyholders. Moreover, if your business has a good track record, your premium can be reduced.
Why You Should Get Liquor Liability Insurance For Your Business?
Dram shop law is applicable in around 38 states of the US. It allows a person to sue a business if bartenders over-serve drinks to any customer, and the drunken customer injures them in a fight. If the claim is proved in the court, you’ll have to pay huge penalties. It will impact your reputation and cause financial losses. It is recommended to get insurance for your business beforehand, to prevent any losses to your business.
If you work as a bartender, it is your responsibility to prevent patrons from becoming intoxicated. If they get involved in a vehicle accident after drinking at your bar, you may face penalties that will affect your career. Ace Food Handler offers California RBS Training that will give you a better understanding of legalities. These certificates are approved by the local health departments.
Contact them today to get certified!
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