People go to bars, clubs and restaurants that serve alcohol to relax and have a good time. However, the fun and games can end quickly when an intoxicated patron gets out of hand. Unfortunately, you as the establishment’s owner could be held liable for any injuries or property damage that result from a fight, a patron slipping and falling, or even a drunk driving accident that occurs after an intoxicated individual leaves the premises.
While most businesses owners carry general liability insurance coverage to protect themselves against lawsuits, these policies typically exclude liquor liability protection. A notable exception is host liquor liability insurance, where the general liability plan provides coverage for businesses that have only an incidental exposure to alcohol. These instances might include a company that holds an office Christmas party where a fight breaks out or an intoxicated employee is involved in a drunk driving accident on the way home.
Needless to say, a lawsuit stemming from an alcohol-related incident at your establishment could severely cripple or even close your business. If you operate a business in Missouri cities such as Union, St. Clair or Washington or the surrounding areas, David Pope Insurance Services LLC can provide a liquor liability insurance policy that can prevent financial ruin. We feature plans from Progressive, one of the most recognized names in the industry.
Liquor liability insurance provides liability protection for companies that sell, serve, distribute, manufacture or supply any form of alcoholic beverages. In addition to bars, taverns, nightclubs and restaurants, the coverage applies to breweries, wineries, liquor stores and grocery stores that offer alcohol for sale. These plans provide coverage for bodily injury and property damage caused by an intoxicated individual who was supplied with alcohol by the policyholder. You can buy a separate liquor liability insurance policy or add the coverage to an existing general liability plan via endorsement. You can also include it as part of a comprehensive business owner policy package.
Another practical application for these plans is as event liability insurance. An example is a catering company that supplies alcohol and needs wedding liability insurance to cover receptions. Also, consumers who do not have access to general liability insurance to cover a one-time event can purchase host liquor liability insurance on a single-occurrence basis. For instance, you will likely need to purchase the coverage if the catering company you’ve hired for your event does not have its own liquor liability insurance policy.
For more than 15 years, David Pope Insurance Services LLC has been helping Missouri companies like yours protect themselves against a wide variety of perils. We’ll work closely with you to create a custom liquor liability insurance plan that meets your needs and fits your budget.
Give us a call today at 636-583-0800 for more information and a free liquor liability insurance quote.
Rick BaileyVery helpful and knowledgeable staff. Answered all my questions in a timely fashion.Always finds me the best rates and coverage.
Robbie BaileyDavid Pope and his son are wonderful people 10 outta 10.
George HodakNever had a bad experience. Every time I have called with a question or update they have been accommodating. Proactively they have contacted us with better insurance ideas.
Philip GerberYour insurance brokerage always finds me the best rates, unlike going with just an agent for an insurance company. When my rate went up with another insurer, you immediately found a better price with a different carrier. The transition was seamless.
Jim ArnoVery helpful with giving me options for insurance. Helped with transition from my past insurance company.
Jonathan MitchellMy home and auto insurance kept going up and my old insurance agency just said that’s the way it is. They saved me about 40% on my home insurance while keeping coverage the same and still saving me money on my auto. VERY happy I made the move.
Kristy HulseyCustomer service is exceptional! Anytime I have a question or need help with anything, whether by phone or email communication, they get back with me promptly and always have an answer. Excellent at finding a way to get the best rate possible as well – which is important!
Travis OwensThe staff is very knowledgeable and the rate I received was excellent. Got BIG savings compared to my last insurance provider.
Yvonne HeinzThe customer service is fantastic and the price is a great value.
Union AmbulanceVery knowledgeable and gets us the best price on insurance.
Justin HulseyI could not be more happy with the service my family and I receive with David Pope Insurance. They are always very helpful and prompt. I highly recommend!
Pauli AnschutzI am very happy with the service my family receives with David Pope Insurance. I highly recommend!
Brandon BealIt has been a great experience. I have received help when needed and have never been bothered with a lot of phone calls or mail/emails. Friendly people doing a good job!
Jaron BondIt was easy and simple to setup my home and auto insurance. No complaints here at all.
Oakley CorbinGreat! I’ve gotten good service and they found me an amazing deal on issuance for both my business and vehicles!
Alan EakerDavid was very easy to work with and get switched over to the new insurance wit great pricing!!
Andrew CapkovicThis guy just keeps saving me more and more money. Last year he saved me 500 dollars on my car insurance alone and a couple hundred on homeowners. I call him because the rates went up on my renewal. Before I could even say anything Zach (guy who answers the phone) says yeah we already found you someone lower. Come in to set up the new provider. The best service for insurance broker I’ve ever had in my life. I guarantee I will never go to anyone else but David Pope insurance.
Jacqueline WardWhen I was reviewing the options for auto and home insurance with coverage for four teen drivers, myself and my husband- David Pope was able to find the best option to craft an affordable plan for our family; no one else even came close to the options this agency was able to design.
Ali KExcellent rates and coverage but that’s just the beginning. The service is absolutely outstanding! Every time I have a question, I get a thorough and prompt response. Every time my coverage needs change, my needs are taken care of immediately. I can’t recommend David Pope highly enough!
Gayle BDavid Pope Insurance Services is a great firm to work with. Very knowledgeable and fast to respond to all of your needs. They had my quotes ready in no time and I was able to sign on the dotted line that same day. Very convenient. I work with David initially, then had the pleasure of working with Zack. Both took great care of my needs. Highly recommend these professionals.
Mary FI have been doing business with David Pope for many years. He’s reliable & absolutely looks out for us every time we need him. He always goes the extra mile. My daughter and my brother also use him & have been satisfied also. I recommend him whole heartedly.
Steve KThis agency is very responsive. Had insurance with one company who substantially raised our home owners rates. They came to me saying they could find a better package rate that would save us money on home and auto. It is a breath of fresh air to have agents who do so without being asked! Further, had a question that wasn’t urgent on Easter Sunday. Sent it via email and received a reply that day. Can’t ask for better than that!
Nicole BMy experience with your company was amazing! From my first call requesting a quote to my most recent call requesting your company to print out our vehicle insurance cards. Employees were always positive, never made me feel rushed, customer service was superb! Thank you for making a new customer to your company feel so welcome!