Start with the assault and battery wording, because that is how most bar claims actually arrive. Fights, ejections, and security incidents are commonly excluded, or carried back at a sublimit well below the policy limit. A claim can also be pleaded as negligent security rather than over-service, which changes which part of the program responds. Injury to your own employee belongs to workers’ compensation instead. Punitive damages awarded against an insured are not insurable in California. Alcohol your business did not sell, serve, or furnish is generally outside the coverage as well. Forms vary, so we read the exclusions and any sublimit with you rather than relying on the headline limit.
Related FAQs
Because claims can still be filed and need a defense, the obviously intoxicated minor exception and certain assault or over-service claims can still reach your business, and venues, landlords, ...
Serving any minor, or an obviously intoxicated person of any age, is a criminal and Alcoholic Beverage Control (ABC) licensing violation, separate from any civil suit. California also requires ...
Yes, exposure can arise even from occasional service. Host and special-event options may fit, and we can walk you through them.
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