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Is liquor liability insurance required in Michigan?

If you have a liquor license in the State of Michigan, you are required to carry liquor liability insurance. Owning a business that serves alcohol, whether in an established location or for a special event, always involves an element of risk.

What is liquor liability insurance Michigan?

What is Liquor Liability Insurance? Liquor Liability Insurance provides coverage for legal fees, medical costs, and settlements associated with bodily injury or property damage caused by an intoxicated person, who was served or sold liquor by the policyholder Licensee.

What is liquor liability also known as?

Liquor liability insurance, also known as dram shop insurance, is liability coverage for businesses that serve, sell, distribute, manufacture or supply alcoholic beverages.

Why is liquor liability insurance important?

Liquor liability insurance helps protect businesses that sell, serve or distribute alcohol. This type of business insurance can help cover claims of bodily injury or property damage that an intoxicated customer causes after a company served them alcohol.

What is liquor liability insurance Florida?

Liquor liability insurance protects you 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 liquor liability insurance coverage.

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What is the difference between general liability and liquor liability?

While general liability is intended for the hazards of operating a business, liquor liability is tailored to cover the specific risks associated with serving alcohol to patrons. It thus offers a more niche scope of coverage.

What does liquor liability exclusion mean?

Liquor Liability is a standard general liability coverage exclusion explicitly excluding coverage for Bodily Injury or Property Damage for which any insured may be held liable by reason of: 1. Causing or contributing to the intoxication of any person; 2.

What is the difference between general liability and liquor liability?

While general liability is intended for the hazards of operating a business, liquor liability is tailored to cover the specific risks associated with serving alcohol to patrons. It thus offers a more niche scope of coverage.

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