Restaurant Owners: Why Liquor Liability Isn’t Optional if You Serve Alcohol

Running a restaurant in Connecticut comes with many responsibilities, especially if you serve alcohol. While offering beer, wine, or cocktails can boost your business, it also introduces unique risks that can’t be ignored. Liquor liability insurance is essential for any restaurant serving alcohol.

Understanding Liquor Liability Insurance

Liquor liability insurance is designed to protect your business if a customer causes harm or property damage after being served alcohol at your establishment. Even with responsible service, incidents can happen. If a guest leaves your restaurant and is involved in an accident or causes injury, your business could be held legally and financially responsible.

The Risks of Serving Alcohol

Connecticut has strict liquor laws that hold businesses accountable for the actions of intoxicated patrons. If your restaurant is found to have served alcohol to someone who is visibly intoxicated or underage, you may face lawsuits, fines, or even the loss of your liquor license. These risks can threaten your reputation and your ability to stay in business.

Why You Should Consider Liquor Liability

• Legal requirements: While Connecticut does not mandate liquor liability insurance by law, many landlords, lenders, and event venues require it as part of their contracts.
• Financial protection: Lawsuits related to alcohol service can result in significant legal costs and settlements. Without proper coverage, your business assets may be at risk.
• Peace of mind: Knowing you have financial protection in place allows you to focus on running your restaurant.

How Our Team Can Help

At Specialty Coverage Insurance Agency, we work with restaurant owners to assess their unique risks and tailor liquor liability coverage to fit their needs. Our team understands local regulations and can help you navigate the complexities of restaurant insurance, so you’re protected from unexpected claims.

Contact us today to discuss how liquor liability insurance can safeguard your restaurant and support your long-term success.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.