Liquor Liability Insurance in Denver, Colorado

Why Denver Businesses Serving Alcohol Need Liquor Liability Coverage

Liquor liability insurance protects businesses that manufacture, serve, sell, or distribute alcoholic beverages. If you serve alcohol to someone who becomes intoxicated and then injures another person or damages property, you can be held liable under dram shop laws. This applies even after the patron leaves your establishment. Restaurants, bars, nightclubs, liquor stores, breweries, and special event venues in Denver all need liquor liability coverage. General liability policies specifically exclude alcohol-related claims, making separate liquor liability essential.

What Does Liquor Liability Insurance Cover?

Liquor liability covers bodily injury and property damage caused by intoxicated patrons after you serve them alcohol. It provides legal defense for dram shop lawsuits, settlements, and judgments when patrons injure others. The policy covers accidents caused by minors you serve illegally and injuries from fights or assaults involving intoxicated patrons. Coverage includes claims arising from illegal alcohol sales and alcohol-related incidents both on and off your premises. Defense costs are typically included in addition to policy limits.

Benefits of Liquor Liability for Colorado Alcohol-Serving Businesses

Colorado dram shop laws hold alcohol sellers liable for intoxicated patron actions, creating significant exposure for your business. General liability policies exclude liquor-related liability claims, leaving you unprotected without dedicated coverage. A single DUI accident involving a patron you served can result in massive judgments against your business. Colorado liquor licenses often require proof of liquor liability coverage before approval. Assault and battery incidents at bars and nightclubs expose you to significant claims that only liquor liability coverage addresses.

How Can I Reduce My Liquor Liability Risk?

Train staff on responsible alcohol service and Colorado liquor laws. Check IDs diligently to prevent serving minors. Refuse service to visibly intoxicated patrons and document these refusals. Offer food and non-alcoholic beverages to help slow alcohol absorption. Arrange ride services for impaired customers leaving your establishment. Document your training and service refusal policies thoroughly. These practices reduce risk and may lower your liquor liability premiums.

Does Liquor Liability Cover My Employees?

No, liquor liability covers third-party claims from patrons and the public injured by intoxicated customers you served. Employee injuries from workplace incidents are covered by workers compensation insurance. Employment-related issues like harassment or wrongful termination require employment practices liability insurance. Our agents can help you build a complete insurance program that protects your Denver bar, restaurant, or alcohol-serving business from all angles.

Get a Liquor Liability Insurance Quote in Denver, Colorado

Our liquor liability insurance agents serve Denver, Colorado and surrounding areas including Aurora, Golden, Lakewood, Thornton, and Westminster. Contact Seguros Ideal Inc today for a free quote.