Liquor liability insurance provides coverage for establishments involved in the alcohol business such as liquor stores, bars, taverns, restaurants, and hotels. Florida liquor liability insurance covers Florida businesses for liquor-related claims against them. Most claims involve damages as a result of the actions of an intoxicated person. For example, when a lawsuit is filed by someone involved in a crash caused by someone else who was drunk. Damages in liquor liability suits can be substantial, so it is critical for Florida businesses to carry adequate liquor liability coverage.
Florida business owners should be aware that liquor liability insurance is usually specifically excluded from general liability policies. Liquor liability insurance also excludes situations where alcohol was sold or served illegally, like an accident caused by an underage drunk driver. Coverage may also exclude mental damages and psychological distress.
It is important to note that there are circumstances where people outside of the alcohol business need liquor liability coverage. For example, a wedding reception host could be liable for the actions of someone who becomes drunk at the reception. While some Florida venues have liability policies that cover private events, sometimes it is necessary (or good practice) to purchase what is known as a host liquor policy; this type of liquor liability policy is tailored to individuals or entities who are not in the business of alcohol sales, production, or service, but who needs temporary coverage.
Florida liquor liability insurance may be attached to a general liability policy as a rider or purchased as a standalone policy.