A restaurant paid $925,000 in a settlement after overserving a man who later caused an auto accident that severely injured two people. The intoxicated driver’s blood alcohol level was 0.332 percent, more than four times the legal limit.
Along with serving alcohol, countless other variables can affect a restaurant owner’s exposure, including location, ownership experience and amusement devices. With restaurants in the U.S. generating $711 billion in annual revenue, this industry represents a significant opportunity for brokers to help business owners protect themselves from the inherent risks they face.
Contact Burns & Wilcox for a tailored Hospitality policy that can help limit your clients’ exposures with coverage for liquor liability, food contamination, and forcible ejection with options for both liquor and general liability, and property coverage including equipment breakdown and spoilage.
Coverage Details and Features
- Package and monoline policies
- General liability coverage
- Liquor liability coverage
- Assault & Battery (A&B) included at full limits in most cases
- Hired and/or Non-Owned auto coverage available (if incidental exposure only)
- Excess/Umbrella Liability as needed
- Building and contents
- Computer equipment
- Equipment breakdown
- Business Income
- Food spoilage
- Assault and Battery Coverage available
(including but not limited to)
Bar/Restaurant Package including Liquor & Assault Battery