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Why Risk It? Get Reliable Protection You Can Count On

If your business sells or serves alcohol, you already know how unpredictable things can get. One bad decision by a customer can quickly become a legal or financial nightmare. That’s why Ball Group Insurance is here, because protecting your livelihood shouldn’t be left to chance. We understand the unique challenges of running an alcohol-related business and help you stay protected with confidence.

Liquor Liability Insurance

Think of liquor liability insurance as your financial safety shield. If an intoxicated customer causes injury or property damage after being served at your business, you could be held legally responsible. This insurance helps cover the costs so one incident doesn’t jeopardize everything you’ve built.

Whether it’s legal defense, settlements, or medical expenses, this policy steps in when you need it most helping you focus on running your business instead of worrying about “what ifs.”

  • Legal Defense Fees – Professional representation for lawsuits
  • Settlement Costs – Negotiated resolutions to close claims quickly
  • Court-Awarded Damages – Financial protection against judgments
  • Medical Bills – Coverage for injuries caused by alcohol-related incidents
  • Property Damage – Compensation for third-party property repairs or replacement

If you sell, serve, or distribute alcohol even occasionally this protection is essential. In some states, it’s required by law before you can get a liquor license.

Businesses that should consider coverage:

Food & Beverage
  • Restaurants, bars, pubs
  • Breweries, distilleries
  • Wineries and tasting rooms
Retail Operations
  • Liquor stores, wine shops
  • Grocery or convenience stores with alcohol sections
Event & Entertainment Venues
  • Catering businesses
  • Event halls, wedding venues
  • Sports and entertainment arenas

Many states enforce dram shop laws, which hold businesses legally responsible for serving alcohol to intoxicated individuals who later cause harm or damage. If you operate in one of these states, liquor liability insurance isn’t optional it’s critical. Without it, one lawsuit could put your assets and reputation at risk.

Every business is different, and your insurance should reflect that. Ball Group Insurance offers customizable options, including:

  • Assault & Battery Coverage – Ideal for venues with security staff
  • Employee Consumption Protection – Covers incidents involving staff who drink while working
  • Specialized Incident Coverage – For claims of emotional distress or unique incidents
  • Property Damage Extensions – Extra protection for your premises and third-party property

The right policy limit depends on your:

  • Business size and customer volume
  • Type of alcohol served and service environment
  • Local legal requirements and risk factors
  • Financial exposure and asset protection goals
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Work With Experts Who Know Your Industry

Liquor liability insurance isn’t just about price it’s about making sure your business is truly protected. At Ball Group Insurance, we specialize in helping alcohol-serving businesses like yours identify risks, meet legal requirements, and secure peace of mind.

Let’s talk about your business and build a plan that fits you perfectly so you can serve with confidence, knowing we’ve got your back.

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