Liquor Liability

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.

California is not a traditional dram-shop state, so a broad legal mandate generally does not apply. That said, contracts, landlords, and licenses often require it. We can review your ...

Usually not. General liability commonly excludes liquor-related claims for businesses that serve or sell alcohol, which is why separate coverage matters.

Tell us the same day, and preserve what will be asked for later. That usually means the written incident report, the point-of-sale record for the tab or table, the ...

Either can work, and the structure matters more than the packaging. Some programs add liquor liability by endorsement to a general liability or business owners policy. Others write it ...

Liquor receipts as a share of total sales is the first number an underwriter looks for. A restaurant where alcohol is a quarter of the check sits in a ...

Every on-premises alcohol server, and the managers who oversee them. The Responsible Beverage Service Training Program Act, created by Assembly Bill 1221, reaches two groups: anyone serving alcohol for ...

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 ...