{"id":1118,"date":"2019-05-16T09:07:22","date_gmt":"2019-05-16T15:07:22","guid":{"rendered":"https:\/\/www.insuringky.com\/blog\/?p=1118"},"modified":"2019-05-16T09:07:23","modified_gmt":"2019-05-16T15:07:23","slug":"liquor-liability-insurance","status":"publish","type":"post","link":"https:\/\/www.insuringky.com\/blog\/liquor-liability-insurance\/","title":{"rendered":"Liquor Liability Insurance"},"content":{"rendered":"\n<div class=\"wp-block-image\"><figure class=\"alignleft is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.insuringky.com\/blog\/wp-content\/uploads\/2019\/05\/shot-1.jpg\" alt=\"Insurance for bars and restaurants must include a form of coverage known as liquor liability insurance, also known as dram shop liability insurance.\" class=\"wp-image-1119\" width=\"190\" height=\"126\"\/><figcaption>If you serve alcohol, you need liquor liability insurance <\/figcaption><\/figure><\/div>\n\n\n\n<p>Today we measure the amount of alcohol used in drinks by the\nshot.&nbsp; But in colonial America gin and\nother alcoholic drinks were measured in unit shared by apothecaries.&nbsp; &nbsp;This\nmeasurement was known as a Drachma or Dram.&nbsp;\n&nbsp;<\/p>\n\n\n\n<p><strong>Dram Shop Liability Insurance, <\/strong>more commonly knowns as Liquor Liability Insurance is the insurance vehicle used to transfer liquor-related liability that is a part of serving or selling alcoholic beverages.\u00a0 This coverage provides protection against serving intoxicated individuals or minors.\u00a0 <\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"alignright\"><img loading=\"lazy\" decoding=\"async\" width=\"276\" height=\"183\" src=\"https:\/\/www.insuringky.com\/blog\/wp-content\/uploads\/2019\/05\/bartender-1.png\" alt=\"Who is required to have a Liquor Liability policy?  If you own a bar or any other venture that sells or serves alcohol, most states will require it.\" class=\"wp-image-1120\"\/><figcaption>Protect yourself from intoxicated guests.<\/figcaption><\/figure><\/div>\n\n\n\n<p><strong>When individuals drink<\/strong> too much they not only pose a risk to themselves, they are also a threat to others.\u00a0 As an owner of a restaurant and bar, you have potential financial exposure if you allow intoxicated patrons to drive.\u00a0 <\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"alignleft\"><img loading=\"lazy\" decoding=\"async\" width=\"275\" height=\"183\" src=\"https:\/\/www.insuringky.com\/blog\/wp-content\/uploads\/2019\/05\/weddingbar1.jpg\" alt=\"\" class=\"wp-image-1121\"\/><figcaption>Alcohol at weddings:  Step 1, hire a qualified bartender. <\/figcaption><\/figure><\/div>\n\n\n\n<p><strong> But bars and restaurants <\/strong>aren\u2019t the only places that you will find liability associated with alcohol. \u00a0Liquor Liability can show up at casinos, sporting venues, and even the office Christmas party.\u00a0 Individuals are not exempt for this exposure.\u00a0 Graduate parties, reunions, and even your wedding could be marred by the actions of an over-served guest.\u00a0 <\/p>\n\n\n\n<p>Liquor liability insurance will help you reduce your exposure should an unfortunate event occur.   But your first and best way to reduce your personal exposure is to hire a professional bartender.  Pouring drinks is the easy part of bartending,   not pouring one to the wrong person is the real job.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Today we measure the amount of alcohol used in drinks by the shot.&nbsp; But in colonial America gin and other alcoholic drinks were measured in unit shared by apothecaries.&nbsp; &nbsp;This measurement was known as a Drachma or Dram.&nbsp; &nbsp; Dram Shop Liability Insurance, more commonly knowns as Liquor Liability Insurance is the insurance vehicle used [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[19,99,20],"tags":[1267,1261,1264,1263,1260,1257,1266,1258,492,1256,1265,1259,1262],"class_list":["post-1118","post","type-post","status-publish","format-standard","hentry","category-business-insurance","category-liability-insurance","category-restaurant","tag-am-i-liable-for-someone-that-gets-drunk","tag-bar-liquor-liability-insurance","tag-do-i-need-insurance-if-i-am-not-selling-alcohol","tag-do-i-need-special-insurance-to-serve-alcohol-to-quest","tag-dram-insurance","tag-dram-shop-liability-insurnace","tag-insurance-for-a-party","tag-insurance-for-bars","tag-insurance-for-restaurants","tag-liquor-liability-insurance","tag-party-insurance","tag-restaurant-liquor-liability","tag-where-can-i-buy-liquor-liability-insurance"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.insuringky.com\/blog\/wp-json\/wp\/v2\/posts\/1118","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.insuringky.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.insuringky.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.insuringky.com\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.insuringky.com\/blog\/wp-json\/wp\/v2\/comments?post=1118"}],"version-history":[{"count":1,"href":"https:\/\/www.insuringky.com\/blog\/wp-json\/wp\/v2\/posts\/1118\/revisions"}],"predecessor-version":[{"id":1122,"href":"https:\/\/www.insuringky.com\/blog\/wp-json\/wp\/v2\/posts\/1118\/revisions\/1122"}],"wp:attachment":[{"href":"https:\/\/www.insuringky.com\/blog\/wp-json\/wp\/v2\/media?parent=1118"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.insuringky.com\/blog\/wp-json\/wp\/v2\/categories?post=1118"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.insuringky.com\/blog\/wp-json\/wp\/v2\/tags?post=1118"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}