Orchid provides liquor liability insurance to protects businesses, such as bars, breweries, restaurants, and liquor, grocery and convenient stores, that sell, distribute manufacture or supply alcoholic beverages from any legal responsibility incurred by their patrons. Interpretations of liquor liability including who is legally liable in the event of an injury to a third party vary by state.
In some states, every bar in which an intoxicated person drank can be pulled into a lawsuit if the patron causes bodily injury to a third party. The burden of proof that the patron was not or did not appear intoxicated while on the property is on the establishment. Other states require proof that the establishment sold alcohol to the intoxicated patron, and injuries were sustained as a direct result of the individual’s intoxication.
Negligent service to an intoxicated or underage person can produce substantial verdicts or settlements. Even if an establishment is not found liable, it may cost hundreds of thousands of dollars to defend a claim.
Orchid offers comprehensive liquor liability coverage based on the type and location of a venue. This product, available as monoline liquor liability or as a commercial package policy, features virutally all classes of small- to medium-sized risks including
-- Expense costs inside the limits of liability;
-- Exclusion for Assault or Battery coverage and a significant credit for the purchaser, such as 25 percent for bars and 15 percent for restaurants.
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