John J Walsh Insurance Agency

87 Margin Street, Salem, MA 01970  

 Complete Insurance Programs

978-745-3300

Liquor Liability Insurance

 If your establishment sells and serves liquor, i.e. bars and restaurants, it might be a smart idea to invest

in Liquor Liability Insurance; this insurance will cover your establishment and your livelihood, if a

customer injures themselves or property due to consuming too many alcoholic beverages.

You would think that the adult, who decided to drink a little too much, would be held responsible for his

or her own actions, but in reality, the business who served this person alcohol can be the one held

responsible.

Letís just give you an example of a situation, where you, as the business owner can be sued: if a patron

drank at your establishment, had a good buzz going, and decided to get into his or her car and drive

home; during this drive they hit and kill a pedestrian. The driver will of course go to jail for

manslaughter, but did you know the family of the killed pedestrian can sue you for civil and criminal

damages?

If youíre an establishment that sells liquor, investing in Liquor Liability Insurance will protect you from

potential financial losses; if youíre ever sued for an alcohol related incident like the above situation,

legal and court fees will be covered by your Liquor Liability Insurance.

Most states require establishments, who sell liquor, to invest in these insurance policies. However, if

you are caught selling to minors, your Liquor insurance will not cover any fees that ensue this crime.

  For more information about our Liquor Liability Insurance, or for a free estimate, please feel free to

give Walsh Insurance a call at 978-745-3300.