Why this review matters
Alcohol service can materially change a restaurant’s liability exposure. The review should reflect the actual percentage of alcohol sales, hours, service model, entertainment, special events, delivery, training, and procedures for handling an impaired guest.
Information to prepare
- Food and alcohol sales by category
- Hours of alcohol service and closing procedures
- Server training and incident documentation
- Entertainment, private events, catering, and delivery details
- Prior liquor-related incidents or claims and corrective action
Decisions to discuss
- Liquor liability limits and deductibles
- Assault or battery terms and security practices
- Catering, delivery, and off-premises event protection
- Umbrella limits and contract requirements
Common pitfalls
- Estimating alcohol sales too broadly
- Leaving events or delivery out of the application
- Assuming general liability includes liquor liability
- Failing to document training and incident response
Frequently asked questions
Does general liability automatically cover alcohol service?
Not necessarily. Businesses that sell or serve alcohol should review liquor liability needs and the actual policy terms with an insurance professional.
Why do service procedures matter?
Training, identification checks, incident documentation, transportation practices, and closing procedures help explain how the restaurant manages alcohol-related risk.
Coverage descriptions are general. Availability, eligibility, limits, exclusions, and policy terms vary. Review actual policy documents and requirements with an appropriate insurance professional.