Liquor liability insurance is a crucial coverage for liquor stores, but it's also important for restaurants. Most restaurants sell and serve alcohol. As such, they can be held liable for patron actions. For example, if a patron purchases four shots and leaves — only to get into a fight with someone right outside the establishment, your restaurant could be liable for any damage the patron causes. Take preventative measures to lower the chances of unruly patrons causing injury or damage.
Purchase Liquor Liability Insurance
Before opening your doors, it's critical to have restaurant insurance. Liquor liability won't prevent accidents from happening. But it will protect the restaurant from bodily injury or property damage claims caused by a patron that purchased alcohol in your store. This insurance won't cover irresponsible serving to visibly intoxicated guests, however.
Train Restaurant Employees On The Signs Of Intoxication
Servers, bartenders and even hostesses should be able to identify the signs of intoxication so they can communicate and decide when it's appropriate to cut a guest off. Obvious signs of intoxication include slurring words, glassy eyes, swaying, stumbling and having trouble holding one's head up. Training restaurant employees is the most important part of protecting your restaurant from liquor liability risks.
Monitor Drink Pours
The TABC has set guidelines as to how many drinks in a certain amount of time can lead to intoxication, depending on the weight of the guest and the alcohol volume in their beverages. Some bartenders tend to overpour for certain guests, but this can cause issues if that guest causes problems down the road. Be sure each bartender is trained to pour the correct amount of alcohol. This is also important because a lot of people learn to control or hide the symptoms of intoxication. Even if a patron is acting completely normal, if they've had multiple shots in a single hour, it's possible they are intoxicated and present a danger to others.
Have Managers See Guests Out Whenever Possible
On busy nights, it's possible for people to slip away without notice. Bartenders are typically stuck behind a bar full of people, while servers run back and forth between the kitchen and floor. When possible, hostesses and managers should speak with guests before they leave and see them safely outside.
It's not always possible to prevent a claim. Accidents happen, but you can take certain measures to lower the risk of a liquor liability claim.