What are the benefits of liquor liability insurance?
Living in Austin this time of year is one ongoing outdoor patio social gathering, and we are here for the beautiful autumn weather! The Britton and Britton Insurance agency can help you handle the unexpected challenges unique to not only homeowners insurance in Texas, but also restaurants, bars, breweries, wineries, comedy clubs and nightclubs. We offer coverage options that will give peace of mind, leaving business owners room to focus on great food, beverages, and service.
As a business owner you have a lot on your plate. We offer the type of insurance coverage and resources you need so you can focus on your customers. In addition to offering liquor liability for restaurants and taverns we also have options for wineries and local breweries in Texas. Specialty coverage such as General Liability, Liquor Liability, Business Income & Extra Expense, Employee Dishonesty, Processing Operations, Spoilage Coverage, Outdoor Vines, Hops, Growing Ingredients, can be included in your insurance quote request. Obtaining insurance is an important component of good financial planning.
If you have a late-night sales permit, we can insure businesses who serve until 2 am every night of the week for liquor liability establishments like taverns and night clubs. We also offer a specific insurance Brewery Program for craft brewers and wine makers. The policy package can be customized to include the tap rooms or tasting rooms. Your coverage can also include wineries and brewers who will sell beer at not only at your own location but through other distribution methods.
Do you own a restaurant, brewery, or pub?
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Answer a few easy questions about your business then choose options for your quote. Not sure how to answer a question? No worries, give it your best guess and let us know in the “remarks” section.
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Bad Run? No, worries. Our Optional Limited Product Rework Expense Coverage can help out with costs for things like additional labor, ingredients, materials, and expenses incurred to reproduce a product to its recognized standard of quality if a batch is deemed to be of poor quality, unsellable, or deficient while in the fermenting phase of production. From microbreweries and beer gardens to taprooms we are your comprehensive solution to insuring your growing business with a local broker.
What Insurance Do You Need? When you operate an establishment serving alcohol in Texas, the most evident coverage a business owner needs is liquor liability. Some lines of business we offer that you may wish to include in your policy bundle:
- Liquor Liability. A liquor liability insurance policy assists with unexpected incidents that may be brought about by your customer’s consumption of alcoholic beverages. Even if unfounded, these claims can be costly to defend. Your policy may cover lawsuits and legal fees associated with these types of liability claims.
- Commercial Package Policy (CPP) A CPP includes commercial general liability insurance policy can covers liability risks associated with third-party claims for bodily injuries, property damage, and advertising injury.
- Umbrella & Excess Liability
- Property Damage. Owned business property or your building is damaged or destroyed due to risks like fire, theft, vandalism, or civil disturbance riots.
- Inland Marine
- Commercial Auto. Provide coverage when a covered vehicle gets damaged due to collision or other events like fire, vandalism, theft, or hailstorm
- Workers’ Compensation. Injuries and illnesses which your employees may suffer while on the job.
A policy will help protect the establishment from a number of claims including incidents like slips, falls, intoxication and fights. It is also a state requirement. The Texas Alcoholic Beverage Commission, or TABC, is a Texas public agency responsible for regulating, inspecting, laws, and taxing the production, sale, and use of alcoholic beverages within the state. TABC certification gives your servers and bartenders the knowledge and skills to avoid the most common alcohol service violations while helping keep Texans safe.
Every establishment, craft brewery and winery is unique, thus coverages should be customized. We have valuable, optional coverages that can be bundled at an affordable cost, including Food and Product Contamination Coverage, Master Brewer Replacement Coverage, Extra Expense Coverage to Transport Water Needed to Continue Processing Operations, Spoilage Coverage, Outdoor Vines, Hops, Growing Ingredients, and Trellises Coverage, Brands and Labels Coverage. Things outside of our appetite include silo storage, sub-contracting, brewing, or bottling for others, cannabis, large music festivals, multi-day festivals.
We represent many different insurance companies for your liquor liability needs for all types of businesses such as, Bakeries, Bistros & Cafés, Coffee Shops, Delis, Diners, Family Style, Fine Dining, Ice Cream & Yogurt Shops, Pizza Shops, Pretzel Shops, Salad Bars and more! From Restaurant to bar, and coffee shop to comedy club we have many options for you. Autumn is the perfect season to pull up a chair and partner with your local Austin independent insurance agent for all of your Texas insurance coverage. Request your quote today!
Descriptions of insurance products and packages are meant to offer general ideas only, are necessarily brief, and are subject to policy provisions, limits, deductibles, exclusions, and conditions that can only be expressed in the policy itself. In the event of a conflict, the terms and conditions of your policy prevail. This information is provided solely as an insurance risk management tool. It is provided with the understanding that we are not providing advice or any other professional services. We shall have no liability to any person or entity with respect to any loss or damages alleged to have been caused, directly or indirectly, by the use of this information.