Liquor Liability Insurance offers coverage against claims of property damage and injuries that are the result of the consumption of alcohol. Commonly this coverage is closely associated with taverns, bars, nightclubs, and restaurants that serve alcohol. Coverage requirements vary by State Law and it is important you talk to a qualified Insurance Advisor about what coverage is required for your business.
In the State of Illinois, for example, any business that sells liquor must have liquor liability. This includes catering companies, event venues, hotels, liquor stores, trade shows that offer liquor samples, private clubs, and more.
However, there are situation outside of the selling of alcohol where liquor liability can come in to play. Businesses that do not sell alcohol, but host holiday parties at their location could find themselves facing liquor liability if a party goer gets into an accident on the way home. The same goes for parties or any situation you serve alcohol at your home.The exposure lies on personal homeowners that entertain with alcohol involved just as much as it does a bar or tavern.
Liquor liability claims can happen any time liquor is involved. Having a properly trained staff is an important part of liquor liability prevention. Many Safe Serve and training certification programs exist.
If your business serves alcohol having a “Drive Home” service in place to prevent drunk driving claims is also a great idea. The basic principle of this program is if a patron is potentially over served (which can happen regardless of training) there is a plan in place to get them home safely.
If your business does not serve or sell alcohol as part of your regular service, the best prevention against a liquor liability claim is to avoid it all together by never serving or giving alcohol away.
Craig Concklin, CIC, a graduate of Denver University and an esteemed insurance professional since 1981 became an owner of Concklin Insurance Agency in 1993. With vision and forward thinking, Craig Concklin has tripled its sales to $22 million. The firm’s sustained investment in state-of-the-art computer systems, integrated accounting and marketing programs, and creation of national insurance programs for various industry groups has made Concklin an industry leader. Craig’s knowledge and stellar reputation in the insurance industry continues to benefit his clients and enhance the presence of Conklin Insurance in the marketplace. He is currently a Pekin Insurance Board Member.
Michael, originally from New York and a graduate of the University of Denver, enjoyed a long tenure in the hospitality industry as a restaurant owner/operator, prior to joining Concklin Insurance. Michael gained a unique perspective of understanding and appreciating the ongoing difficulties in what today’s economic environment brings to everyday business people. Starting his insurance career, Michael felt his natural customer service talents would work best assisting business owners in managing their insurance programs effectively to ensure proper coverages and very competitive premiums available through Concklin Insurance.
After obtaining a degree in Marketing & Management from Grand Valley State University, Jackie spent two years working for a private investment company in Ann Arbor, Michigan, and an additional five years as CEO for one of the fund’s portfolio companies. Jackie leverages her experience running a small business in the Food & Beverage space and growing up around fast-casual food franchise concepts to provide clients with a thoughtful approach to ensuring accurate coverages are in place when it matters most.
Michael O’Donnell joined the Insurance Industry after graduating from Eastern Illinois University with a Finance Degree in 1992 and became a producer at Concklin Insurance Agency in 1995. Mike specializes in insuring restaurant and Franchise business and has worked with franchisors to establish proper insurance requirements are established for their franchisees. He takes a hands-on approach to insurance and understands his clients’ diverse needs. Mike provides the caring expertise required to review and customize an insurance program that provides his clients with excellent coverage while balancing budgetary concerns.
Concklin Insurance Agency is committed to providing competitive and consistent insurance at an affordable rate. We believe in offering the right coverage for your unique needs and represent carefully selected, financially sound, and reputable A+ rated Insurance companies.
Our goal is to reduce gaps in coverage, reduce costs through loss mitigation and risk management, and reduce stress by hiring well-trained, experienced insurance professionals.