Set aside the above claim examples and imagine getting sued by a patron who was previously drunk yet claimed your employee assaulted them while escorting them off of your premises. You might very well win the fight but defending against those claims will have a costly legal defense price tag.

It is important to remember that the cost of paying for your legal defense might be part of your total limit of liability so if you carry a low liquor liability limit, you could easily find yourself with significantly less available coverage after the cost of your lawyers east away at your limit.

Lastly, besides carrying plenty of liquor liability coverage to be adequately protected, be certain that your policy does not exclude claims for assault and battery. Several policies automatically exclude coverage for claims related to intoxicated altercations. In the event you are named in a lawsuit due to a fight after someone drinks at your establishment, you do not want to find out then that you have no coverage for damages or a legal defense.