Liquor Liability Insurance in New Hampshire
What is Liquor Liability Insurance?
Businesses that sell alcohol in New Hampshire may be sued and found held financially liable for incidents involving their intoxicated patrons. Liquor liability insurance is one way businesses can help protect themselves from covered lawsuits related to such incidents.
Liquor liability insurance is a specialized commercial liability insurance. Like most liability coverages, liquor liability usually helps pay legal defense fees, settlements and judgements arising from covered claims.
What New Hampshire Businesses Need a Liquor Liability Policy?
Any business in New Hampshire that sells or serves alcohol should to have a liquor liability policy. This includes bars, restaurants, convenient stores and caterers. A businesses that don’t purchase coverage could be dangerously exposed to claims arising from alcohol-induced incidents as General liability insurance policies frequently exclude such incidents from their coverages.
Do Bartenders and Servers Need a Liquor Liability Policy?
Bartenders and servers are sometimes individually sued when one of their patrons is involved in an alcohol-related incident, and a liquor liability policy might cover lawsuits like these.
Whether a bartender or server needs a liquor liability policy that covers them individually, however, depends on whether their employer’s policy affords any individual coverage for employees. If individual coverage is included in an employer’s policy, purchasing an additional policy is probably unnecessary. If an employer’s policy doesn’t provide sufficient individual coverage, however, getting a policy that offers individual coverage might make sense.
Bartenders and servers who are unsure whether they’re covered by an employer’s policy should ask to see a copy of their employer’s liquor liability policy. The copy can then be reviewed with an informed insurance agent who will be able to explain what individual coverages the employer’s policy does or doesn’t afford.
What Sorts of Claims Do Liquor Liability Policies Cover?
As is the case with other insurance policies, the exact incidents that any one liquor liability policy covers are determined by that policy’s terms, conditions and exclusions. Businesses should review the terms of any policy they’re considering with an experienced insurance agent to make sure they understand the protections afforded by that specific policy.
Nevertheless, there are several common incidents that many liquor liability policies include within their coverages. Some of the more widely covered incidents are:
Physical assaults involving one or more intoxicated patron
Sexual assaults involving one or more intoxicated patrons
Falls and similar accidents resulting in injuries to an intoxicated patron
DUI and DWI car accidents caused by an intoxicated patron
When a policy provides coverage for these or other incidents, the policy doesn’t necessarily absolve the intoxicated individual of any criminal consequence or financial responsibility. The policy normally only provides the business with financial help for covered costs that it faces as a result of the incident.
Do Businesses That Have Liquor Liability Policies Need to Check Patrons’ IDs?
Carrying a liquor liability policy doesn’t eliminate a business’ responsibility to make sure no one who’s underage is sold or served alcohol, and many policies even exclude incidents involving underage patrons from their coverages. For these reasons, businesses should check patron’s IDs regardless of whether they have a liquor liability policy in place.
How Can Businesses in New Hampshire Get Liquor Liability Insurance?
For help finding liquor liability insurance that’ll provide your New Hampshire business with good protection, contact the independent insurance agents at HPM Insurance. Because our agents are independent, they’re able to show you policy options from multiple insurance companies so that you can select the best available one for your business regardless of what insurer offers it.