509-412-3521

Washington Liquor Liability Insurance

Do you need Liquor Liability Insurance?

Serving alcohol at a special event or owning a business that serves alcohol always involves an element of risk. Liquor liability insurance protects your company against loss or damages claimed as the result of a patron of your business becoming intoxicated and injuring themselves or others. If your business manufactures, sells, serves, or facilitates the use or purchase of alcohol, then you need Washington liquor liability insurance coverage.

 

WA Liquor Liability 101

There has always been a great deal of confusion about the need for liquor liability - even among insurance professionals. Liquor liability laws vary greatly by state. AAG can insure your establishment in Oregon, Idaho, Nevada, Montana, as well as Washington Insurance policy coverage and limits options are often confusing. Here is some basic information on the subject:

 

  • “Dram Shop” Laws: - These laws hold alcoholic beverage servers financially accountable for harm that visibly intoxicated individuals cause to other people, themselves, or property. That's why people get "cut off." These laws are established at the local state level, and they can apply to not only to bars, liquor stores and restaurants, but also to social clubs and private events where liquor is served. Dram shop laws also include selling liquor without a license, selling liquor after hours, and selling liquor to minors.
  • Liquor Legal Liability: provides coverage for bodily injury or property damage for which you may become legally liable as the result of contributing to a person's intoxication. This coverage is provided by a separate policy and will only cover establishments 'in the business of' manufacturing, selling, distributing, or serving alcoholic beverages for a charge. This exposure is not covered under a general liability policy.
  • Host Liquor Liability Insurance Policies: cover special events for businesses that elect to serve alcohol to their employees, prospects, and customers. This type of liability insurance is also needed by people and businesses serving or providing alcoholic beverages to customers, guests, or employees.

Liquor liability insurance is essential for any restaurant, cafe, night club, or any establishment that sells alcohol. Essentially it protects your business from being sued for loss or damages claimed as a result of a client of your establishment becoming drunk and injuring themselves or others. If your business sells, manufactures, or serves alcohol, then your business might require this coverage.

 

In general, liquor liability in WA coverage is often sold as a separate policy, or as an add-on to an existing business insurance plan. If you choose not to purchase extra coverage, be warned that your standard liability policy most likely DOES NOT protect your business against these kind of claims.

 

Need a liquor liability policy? You can always drop in and talk to an AAG WA Liquor Liability Professional today, or call your local Insurance Branch.

 

Quick Tip -- You might need to purchase additional Assault and Battery Coverage – History dictates that the majority of claims against bars and restaurants are the results of brawls. Your liquor liability policy should include coverage for assault and battery claims. If not, the policy has a much lower real value. You should consider an insurance umbrella policy as well.

How can AAG Insurance help?

Court decisions coupled with new state statutes are holding vendors of alcoholic beverages increasingly responsible for damages under liquor liability laws. Nevertheless, liquor liability insurance continues to be a quiet - if not dwindling - market around the country. In fact, more than half the establishments in the United States choose to operate without liquor liability insurance coverage.

 

AAG Insurance makes your liquor liability insurance process as simple as possible. By filling out a simple free liquor liability quote form, our expert agents will shop the market for you and get the best possible coverage and competitive premiums. We pride ourselves on taking care of our clients and their interests.

Get your quote today!

What are you waiting for? Simply complete the Protection Savings Form for a free, no-obligation liquor liability insurance quote. The sooner we receive your information, the sooner we will get you the best protection for your alcohol-serving situation. So don't delay another minute - complete the form now.

*Kennewick (Main Branch)

552 N Colorado, St #103

Kennewick, WA 99336

Main office: 509-412-3521
Fax: 509-783-5436

Office Hours:

Mon: 9:00 AM - 5:00 PM
Tues: 9:00 AM - 5:00 PM
Wed: 9:00 AM - 5:00 PM
Thurs: 9:00 AM - 5:00 PM
Fri: 9:00 AM - 5:00 PM
Sat: Closed
Sun: Closed

Battle Ground

909 W Main St, #102

Battle Ground, WA 98604

Main office: 309-832-0915
Fax: 360-687-4354

Office Hours:

Mon: 8:00 AM - 4:00 PM
Tues: 8:00 AM - 4:00 PM
Wed: 8:00 AM - 4:00 PM
Thurs: 8:00 AM - 4:00 PM
Fri: 8:00 AM - 4:00 PM
Sat: Closed
Sun: Closed

Chehalis

571 NW Pacific Ave

Chehalis, WA 98532

Main office: 360-869-0498
Fax: 360-748-7260

Office Hours:

Mon: 9:00 AM - 5:00 PM
Tues: 9:00 AM - 5:00 PM
Wed: 9:00 AM - 5:00 PM
Thurs: 9:00 AM - 5:00 PM
Fri: 9:00 AM - 5:00 PM
Sat: Closed
Sun: Closed

Colfax

401 S Main St

Colfax, WA 99111

Main office: 509-740-3792
Fax: 509-397-3401

Office Hours:

Mon: 9:00 AM - 5:00 PM
Tues: 9:00 AM - 5:00 PM
Wed: 9:00 AM - 5:00 PM
Thurs: 9:00 AM - 5:00 PM
Fri: 9:00 AM - 5:00 PM
Sat: Closed
Sun: Closed

Davenport

509 Morgan St

P.O. Box 427 Davenport, WA 99122

Main office: 509-316-0612
Fax: 509-725-5016

Office Hours:

Mon: 8:00 AM - 4:00 PM
Tues: 8:00 AM - 4:00 PM
Wed: 8:00 AM - 4:00 PM
Thurs: 8:00 AM - 4:00 PM
Fri: 8:00 AM - 4:00 PM
Sat: Closed
Sun: Closed

Longview

1210 Commerce Ave

Longview, WA 98632

Main office: 509-412-3521

Office Hours:

Mon: 9:00 AM - 5:00 PM
Tues: 9:00 AM - 5:00 PM
Wed: 9:00 AM - 5:00 PM
Thurs: 9:00 AM - 5:00 PM
Fri: 9:00 AM - 5:00 PM
Sat: Closed
Sun: Closed

W Spokane

10408 W State Route 2 Ste 1

Spokane, WA 99224

Main office: 509-412-3536
Fax: 509-927-9155

Office Hours:

Mon: 9:00 AM - 5:00 PM
Tues: 9:00 AM - 5:00 PM
Wed: 9:00 AM - 5:00 PM
Thurs: 9:00 AM - 5:00 PM
Fri: 9:00 AM - 5:00 PM
Sat: Closed
Sun: Closed

Our Providers

Testimonials

I have had the pleasure of being a customer of AAG Insurance for years. They have treated me like a part of their family, always looking out for my best interest and made the stress of having two teen age drivers, much more bearable by taking care of our insurance needs, I could rest assured [because] family was well covered
K. McKenney
As a client of AAG Insurance for the past 8 years I can say that, the customer service, knowledge of their agents and my overall experience with them has been top of the line
T King
Like my old Ford, I consider AAG Insurance dependable and loyal…Always there when I need them
S. King
We came from California 13 years ago and needed home and auto insurance. A friend of ours suggested we go to AAG. We did and the service was great, people were friendly and honest
W. F. Margart