Liquor Liability Insurance in Texas

Do I Need Liquor Liability Insurance?

Liquor liability insurance in Texas is an important coverage for any business or event that serves alcohol. Where there is liquor and alcohol there is risk to the business owner who serves it . Liquor liability insurance in Texas is designed to protect the business from loss or damage that is caused by a patron at your business who caused loss or damage to themselves or others  as a result of being intoxicated.  ConXis Insurance Services  as an independent agent has many carriers to help you find the right coverage for your business.

What Does Texas Liquor Liability Insurance Cover?

Many businesses are mistakenly under the impression that their General liability policy will extend coverage for liquor related claims.  The reality is that the general liability form specifically excludes liquor related losses if your business sells, manufactures, distributes, serves, or furnishes liquor.  Liquor endorsements for the most part are simply not offered on the general liability forms for any operation that regularly serves liquor on or off premises, even though they are not considered “in the business.” If your business has a liquor exposure this makes liquor liability insurance in Texas a must.

Liquor Liability Insurance in Texas 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.  The policy is built specifically to provide coverage for business ‘in the business of’ manufacturing, selling, distributing, or serving alcoholic beverages for a charge.

Polices can vary in the verbiage liquor liability insurance polices is typically similar. The contract is designed to insolate you from the risk of injury caused by someone to whom you sold, served, or furnished alcoholic beverages. The insurance company agrees to defend you against any suit that seeks damages alleged from people you sold, served, or furnished alcoholic beverages. Let ConXis Insurance Services help you find the right policy for you and your business.