Within the past 10 years many establishments have been
following the BYOB trend. With the high cost of a liquor license it is much
cheaper to allow patrons to bring their own bottle, beer or beverage. BYOB liquor liability coverage protects
establishments from third party liability claims. For example, the weekend is
the most busy as patrons flood into your establishment to mix and mingle after
a long work week. Some guests bring
their own alcohol to have with their dinner or while enjoying the atmosphere
with friends.
One patron seems a
bit intoxicated and begins arguing with a person sitting at a nearby table so
to avoid your other guests from feeling uncomfortable, you diffuse the
situation and ask that the person discontinue drinking or suggest that they
leave. You have done what you can to
avoid a problem inside your establishment. Meanwhile, the troublesome guest got
upset and leaves after insulting you.
The next day you read in your local newspaper that the
belligerent patron from the night prior got into an automobile accident while
drunk driving and injured them selves, their passenger and the driver of the
other car involved. Did you know you can
be held responsible for what happened if you are not covered by third party
liability insurance?
It is important to
secure proper coverage as well as understand the correct protocols and
procedures in these types of situations. Laws vary from state, county and local
municipalities. Make sure your underwriting is done in accordance to the laws
governing your specific establishment. This is vital to protecting you and your
restaurant, hookah lounge, vape shop, pool hall, ect.
Contact Linda Krisko Insurance & Financial for more
details on Liquor Liability Coverage or to review your current coverage. You
can visit us at 1422 W. Hamilton St in Allentown or call 610.433.5000. An
experienced agent is on hand to answer any of your questions and can give you a
free quote for the right coverage that meets your specific needs.
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