Find an Affordable Host Liquor Liability Insurance Policy for Your State

Find an Affordable Host Liquor Liability Insurance Policy for Your State

At USA Commercial Insurance, we’re now helping small businesses to obtain the right type of alcohol liability insurance coverage from state to state, including in Florida, Georgia, and Louisiana. This is a hugely important form of protection, and it also continues to be misunderstood, often by people who need it the most. That’s why we’re here to help.

For one thing, liquor liability insurance is not solely for bars and restaurants. Clearly, those types of businesses do indeed need host liquor liability protection, but they’re not the only ones.

In fact, any business type which sells, serves or facilities the usage of alcohol should be protected with this type of policy. That means that nightclubs, taverns, social or fraternal clubs, event companies and hosts, convenience stores, and many others, all should have alcohol liability insurance.

Further, this type of coverage is almost never included in your general liability plan. Many business owners falsely think they’re guarded, when in fact they aren’t, leaving them shorthanded when they need it the most.

Another key point of consideration is that host liquor liability insurance is not only about drunk drivers and DUIs. That may be the type of incident which tends to get the most headlines, and certainly, it happens far too often. However, what is far more common is assault and battery. These types of charges and claims actually form the bulk of cases involving host liquor liability coverage.

It’s also important to keep in mind that from state to state, insurance policies will differ. Different regulations mean that certain establishments may, or may not be, legally held responsible for certain forms of liability. That’s another reason why it’s so important to work with an experienced hand who can guide you through the process of finding the right coverage.

We routinely work with businesses across Florida, Georgia and Louisiana, and we know the ins and outs of different requirements and regulations for each locale. By working with many different insurance companies, we’re also able to offer you great deals, and policies which are perfectly suited to your own needs. That means you don’t pay for forms of protection which you don’t even need, and you don’t have holes in your coverage which you mistakenly thought were plugged.

Call John at 407.889.2612 today, and he’ll be happy to provide you with a free quote while providing you with more information on how best to protect your business and yourself.