Surrey Party Alcohol Liability Insurance

Do you need Party Alcohol Liability Insurance?

Serving alcohol at a special event or owning a business that serves alcohol always involves an element of risk. Alcohol liability insurance protects your company against loss or damages claimed as the result of a patron of your business becoming intoxicated and injuring themselves or others. If your business manufactures, sells, serves, or facilitates the use or purchase of alcohol, then you need Alcohol liability insurance coverage.

Surrey Alcohol Liability 101

There has always been a great deal of confusion about the need for Alcohol liability - even among insurance professionals. Alcohol liability laws vary greatly by state, and insurance policy coverage options are often confusing. Here is some basic information on the subject:

  • “Dram Shop” Laws: hold alcoholic beverage servers financially liable for harm that visibly intoxicated individuals cause to other people, themselves, or property. These laws are established at the provincial level. They can apply not only to bars, Alcohol stores and restaurants, but also to social clubs and private events where Alcohol is served. Dram shop laws also include selling Alcohol without a license, selling Alcohol after hours, and selling Alcohol to minors.
  • Alcohol Legal Liability: provides coverage for bodily injury or property damage for which you may become legally liable as the result of contributing to a person's intoxication. This coverage is provided by a separate policy and will only cover establishments 'in the business of' manufacturing, selling, distributing, or serving alcoholic beverages for a charge. This exposure is not covered under a general liability policy.
  • Host Alcohol Liability Insurance Policies: cover special events for businesses that elect to serve alcohol to their employees, prospects, and customers. This type of liability insurance is also needed by people and businesses serving or providing alcoholic beverages to customers, guests, or employees.

How can Prime Insurance Centre Ltd help?

Court decisions coupled with new provincial statutes are holding vendors of alcoholic beverages increasingly responsible for damages under Alcohol liability laws. Nevertheless, Alcohol liability insurance continues to be a quiet - if not dwindling - market around the country.

Prime Insurance Centre Ltd makes your Alcohol liability insurance process as simple as possible. By filling out a simple online form, our expert agents will shop the market for you and get the best possible coverage and competitive premiums. We pride ourselves on taking care of our clients and their interests.

Get your quote today!

What are you waiting for? Simply complete the Protection Savings Form for a free, no-obligation Alcohol liability insurance quote. The sooner we receive your information, the sooner we will get you the best protection for your alcohol-serving situation. So don't delay another minute - complete the form now.