Businesses that deal with alcoholic beverages can be held responsible for injury or property damage resulting from their customers’ consumption of liquor.

Bar and restaurant owners, especially,  face these concerns on a daily basis, and the standard CGL policy contains a Liquor Liability exclusion that eliminates coverage for claims resulting from these activities.

Florida’s Liquor Liability laws are covered under Florida’s Dram Shop Act (Florida Statutes, Section 768.125), which gives persons rights of action against the providers of alcoholic drinks when they are injured or their property is damaged through the actions of a person to whom they have dispensed liquor.  Generally however, there will not be a cause of action unless the merchant has dispensed liquor to someone they know is: 1) habitually drunk, 2) obviously under the influence or 3) under 21.

Because of these protections, Liquor Liability coverage is more available and less expensive than it once was in Florida, and it is an important coverage to recommend for any business that engages in the sale or distribution of alcoholic beverages.

The best insurance for your client, the best choice for your agency.  Call us today for more information and a quote.

MacNeill Commercial Underwriters – 877-900-4041