800-353-8355

Liquor Liability Insurance in Duluth and Alpharetta

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.

Talbert Insurance Services 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.

Talbert Insurance Services

3473 Satellite Blvd #114

Duluth, GA 30096

Main office: 770-464-5608
Toll free: 800-353-8355
Fax: 770-813-8535

Office Hours:

Mon: 8:30 AM - 5:30 PM
Tues: 8:30 AM - 5:30 PM
Wed: 8:30 AM - 5:30 PM
Thurs: 8:30 AM - 5:30 PM
Fri: 8:30 AM - 5:30 PM
Sat: Closed
Sun: Closed

Our Providers

Testimonials

Our members’ needs are very specialized and unusual. Talbert Services acquaints themselves with our needs and works to assure that we are satisfied in the most efficient and economical ways. I recommend him highly and value our relationship both as friends and as a consultant.
Ted Madson: Executive Director of the Florida Land Surveyor's Council
Whether for my business or family, when I speak to Larry I know I am speaking to someone who is passionate about insurance. If you want to work with the best in the business, then you want to work with Talbert Insurance.
Jason Friedlander: Owner TwistSix
I’ve owned a small business for the last 8 years and Larry and his staff have been one of the major reasons we have found success. At every turn, they were there to make sue we were covered, from our Workman’s Comp, Liability, Auto, Life to Umbrella Coverage.
Global Painting & Renovations
Such great customer service! Rates are excellent. I've been a home owner with rental property for over 25 years. By switching to Talbert, it helped me to reduce premiums by bundling auto, home, and condo insurance, while maintaining pretty much the same coverage I was accustomed to! I strongly recommend looking into doing business with these folks.
Sheila G.
I have always been very satisfied with the service I have received from Talbert Insurance Services. They provide insurance for both our cars and home. You will be happy that you switched to this great company.
Home & Auto Customer
If you need Life, Auto, or Renters Insurance go see Larry and his team. I didn't know a thing about life insurance, but after leaving Larry's office, I know I'm in good hands with my policy and that I'm getting expert advice from the best in the biz. Be sure to ask Larry about his "fire wallet"....you'll be amazed!
Jason Michno
I could not ask for a better insurance company! They saved me so much over what I had been paying. When I had a claim they took great care to make sure that I had no down time and I had a check within days to replace the item.
Precision Land Surveying, Inc.
Talbert Insurance Services’ customer service has been beyond great. It is nice to work with a company that knows who you are, what you need and the importance of these things when it comes to small business owners. Thanks Talbert Insurance Services for making my day to day life a little easier.
First Choice Realty Group of GA, LLC
We are about to reach the end of our first great year with Talbert Insurance Services. We are impressed with the outstanding service from the office/support staff. Our agent, Ted B, strives to offer us the best coverages available in our industry. We look forward to many more happy years with Talbert.
Wilson Air Conditioning Service, Inc.