The Importance of Liquor Liability Insurance in Ottawa
The element of risk for your business greatly increases when alcohol is involved. Your company or event needs protection against loss or damages that can result from incidents involving intoxicated patrons.
Ontario Liquor Liability 101
Liquor liability can be a confusing topic for anyone and varies from province to province. Some basic information you should know about liquor liability includes “Dram Shop” laws, Liquor Legal Liability and Host Liquor Liability policies.
- “Dram Shop” Laws: Alcoholic beverage servers are held financially liable for harm that intoxicated patrons cause to individuals, themselves, or property. These laws can apply to operations from bars to private events where liquor is available. Dram shop laws also include selling liquor without a license, selling liquor after hours, and selling liquor to minors.
- Liquor Legal Liability: Provides the coverage necessary if you become legally liable as the result of an intoxicated person causing bodily injury or property damage. Liquor legal liability only covers establishments that manufacture, sell, distribute, or serve alcohol for a charge and is not covered under a General Liability Policy.
- Host Liquor Liability Insurance: Provides coverage for bodily injury or property damage arising out of the serving or distribution of alcoholic beverages by a party at a function or special event.
How can Reid & Bradley’s Insurance help?
Reid & Bradley’s Insurance can help you purchase the proper Liquor Liability Insurance. By simply calling our office or completing an online form, our expert brokers will advise you on the best possible coverage and offer the most competitive premium. We pride ourselves on taking care of our clients and their interests.
Get your quote today!
For a free, no-obligation Liquor Liability quote, call our office or complete the form and we will get back to you within 24 hours with the best protection for your needs.