Liquor Liability Insurance in Spokane WA & Spokane Valley WA

Liquor laws vary widely by state, but one universal truth across the country is that all locations selling intoxicating beverages are at risk if the people they serve decide to make poor choices. Liquor liability policies are very specific about what they cover, and our agents can help make sure your policy fully protects your business.

The most important aspect of liquor liability insurance to keep in mind is that it is not included with most business policies. You've invested a lot in running your establishment, and one thing you don't need is a regulatory fine for something you thought had been taken care of. Our agents will make sure that doesn’t happen by creating a policy that meets local regulations and provides enough coverage for the types of incidents you face. These include:

  • Injuries or damages caused by intoxicated patrons
  • Lawsuits brought by customers who misinterpreted an employee's actions (especially being escorted out of the establishment)
  • Litigation costs, including hiring a lawyer and defending against claims brought against your business

Liquor Liability for Weddings and Events

Licensed establishments aren't the only places where liquor might be served. People also tend to drink alcohol at weddings and other major events—sometimes as part of the ceremony, other times as a way of relaxing and having fun afterwards. Whatever your reason for serving alcohol, liquor liability insurance can help keep costs from spiraling out of control if someone gets drunk enough to cause a scene.

North Town Insurance agents are familiar with which local venues require you to have this coverage if you'll be hosting a wedding where alcohol will be served, and our representatives will work with you to ensure that the policy you have meets any other requirements the location has.

Limitations of Liquor Liability Insurance

Most policies apply only to incidents that you were involved with as a part of doing business or hosting an event. They may not cover off-site incidents, non-business activities (such as giving free drinks to friends after closing down your business for the night), and similar incidents. Exclusions may vary by policy, so be sure to read which ones apply to you and consider asking for a policy modification if you expect any of the exclusions to occur on a regular basis.

Your policy may also have an annual cap on how much it will pay out. If your business is particularly risky (for example, bottles are broken on a particularly frequent basis), you may wish to increase your policy limit. Call now for more information—our agents can help you determine the amount of liquor liability insurance that's most appropriate for your business.

 

1. O'Connor, Cozen. "Comparison of State Liquor Liability Laws." Cozen.com. August 2007. Accessed April 21, 2016. https://www.cozen.com/admin/files/publications/Dram_Shop.pdf.

2. Larino, Jennifer. "Bars Often Roll Dice on Liquor Liability Coverage." Insurance Journal News. April 01, 2013. Accessed April 28, 2016. http://www.insurancejournal.com/news/southcentral/2013/04/01/286632.htm.

3. "Host Liquor Liability." Insurance Glossary. Accessed April 28, 2016. https://www.irmi.com/online/insurance-glossary/terms/h/host-liquor-liability.aspx.

Our Location

North Town Insurance

5727 N Division
Spokane, WA 99208
Main office: 509-483-3030
Fax: 509-487-8355

Our Providers

Testimonials

This office has great customer service. Great people, great customer care

Jan A.
Five Stars! Always friendly and ready to help.

Stephanie C.
Great people and services. Very helpful and informational about their policies and what they can do for their customers. I would totally recommend!

Christina M.
I would like to start by saying although my agent is my daughter, I would expect the same level of educated professionalism from anybody servicing my policy. She got a great rate for our business and we hang her sign proudly in the brewery.

Hopped Up Brewing
I switched my auto insurance policy to North Town Insurance with Amanda Ewan as my agent over a year ago. I am VERY happy with my decision. Amanda has outstanding people skills. I can feel her smile across the phone which brightens my day. She puts my needs first. I am always able to get a hold of her when I need her. I appreciate her honesty. Knowing she has an eye on my insurance needs helps me to relax.

Joyce A.
Matt Paulson is a great friend and a awesome insurance agent he has saved me on my car insurance, renters insurance, 4wheeler insurance, and now i will be signing my life insurance with him. If you think you might be paying to much for insurance and want a to see if you can save money call Matt at northtown insurance company.

Sharell F.
I work for Progressive Insurance. I have had a few customers that have bought policies from Matt and I have had customers that work with your agency. I am glad that you guys are giving customers what they need rather than what is the most "cost effective". It makes my job much more easy if the customer has the correct policy to make them "whole" again. If the policy is not sufficient, the customer usually has a bad outcome.

Tim - Progressive Insurance