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If you operate any kind of business involved in the commercial sale or distribution of alcoholic spirits you need a Liquor liability insurance policy.

Liquor liability insurance policies are designed to help protect you if you are sued by a third party who is injured or whose property is damaged. The policy covers defense costs and pays claims for which you are legally liable up to the policy limits. Liquor liability insurance quotes are done as an add-on to packaged business insurance policies, but can also be sold as a separate liability policy.

Things you'll want to look for in Liquor liability insurance:

• Assault & Battery coverage should definitely be included, as many claims against bars and restaurants result from fights.
• Defense costs should be included in your liquor liability insurance as well to provide your business with skilled, appointed legal counsel. Retaining a lawyer to protect you from frivolous claims adds up to a huge cost without liquor liability insurance that includes this coverage.

Based in Seattle, Balcos Insurance writes business insurance and insurance for restaurants, taverns, bars across Washington, Oregon, California, Nevada, Arizona, Idaho, and Alaska. To get liquor liability insurance in Washington or elsewhere, please contact us.