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Liquor liability insurance is a
stumbling block for many in the hospitality industry. Some insurance
experts say as many as half of the businesses that should have liquor
liability coverage don't have it, often because they don't understand
the extent of their legal exposure.
 Depending
on the laws in your state, your clients who serve alcohol may be held
liable for the actions of intoxicated or underage persons they serve
(including when they later drive impaired), as well as other hazards
that could put them out of business. Consider these:
- Negligent service to an
intoxicated or underage person can produce substantial verdicts or
settlements.
- Employers may be held liable for
the actions of employees who sell or serve alcohol in violation of
state laws.
- Even if an establishment is not
found liable, it may cost hundreds of thousands of dollars to defend
a claim.
- Underage drinkers make up a
significant portion of alcohol-related traffic crashes.
USLI Improves Liquor Liability
Coverage and Rates - Offers 15% Discount
 While
some carriers are abandoning this market, USLI has reaffirmed its
commitment to the liquor liability market it has served for 25
years, beginning with these enhancements:
* New minimum premiums in 31 states (Sept. 4, 2009)
* More competitive rates
* Basic and Top Shelf plan options that emphasize lowest rates or
maximum coverage
* Broadened underwriting guidelines
* New Products such as Catering Plus and Fine Dining
* Simplified application form and improved binding process
* Increased audit premium threshold of $5000
By placing your liquor liability policies with USLI, your clients
can qualify for a 15 percent premium discount on liquor liability
coverage by having their servers complete an inexpensive alcohol
server training course.
Complete your quote in just minutes on QuoteExpress today!
Need more information? Call Michelle Shelton at 214-295-1655, or
email Michelle at
mshelton@combinedgroup.com.
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