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Liquor Liability for Restaurant Owners: More Than Just the Law

By October 22, 2019April 2nd, 2020Business Insurance

In May of 2017, the South Carolina General Assembly passed a law that requires anyone permitted or licensed to sell beer, wine, or alcoholic liquors for on premises consumption to have liability insurance of at least one million dollars. So what exactly is liquor liability insurance and why do you need it?

Liquor liability insurance protects you if an injury occurs in your place of business as a result of serving, providing, or selling alcoholic beverages. This type of coverage also helps with legal costs incurred in defending yourself or place of business due to a lawsuit.

Some examples include:

  • Slips and falls
  • Accidents as a result of drunk driving
  • Fights at your location after those involved have been drinking

Last month, a jury in Greenville, South Carolina, ordered a woman to pay $7.5 million dollars to the estate of a man injured in a DUI wreck. The case included trying to decide whether a sports bar in Simpsonville, SC, failed to responsibly serve alcohol to one of their customers in 2016. The customer, soon after leaving the bar, ran into and killed the man, who was on a motorcycle. The man’s estate sued the driver of the vehicle as well as the sports bar. The sports bar settled for an undisclosed amount.

Liquor liability insurance is not included in most business insurance, so if you have any questions or need this coverage, please contact us for more information.

The Turner Agency, Inc. is a local Trusted Choice® independent insurance agency located in Greenville, South Carolina and Clemson, South Carolina. Serving the Upstate of South Carolina and beyond since 1962, we offer a variety of personal and business coverage choices and can customize an insurance plan to meet your specialized needs for homes, automobiles, recreational vehicles, secondary homes, and your business. Contact The Turner Agency today.

The information in this article was obtained from various sources and is not all inclusive regarding the subject matter. This content is offered for educational purposes only.