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providing tailored coverage,

designed to match your unique needs.

Our expert team, armed with extensive industry knowledge, offers you the most advantageous advice while ensuring unparalleled customer service at every step of your insurance journey. By partnering with top-rated insurance providers, we deliver the best policies at competitive rates. At OnePoint, we're not just an insurance agency; we're your trusted partner in securing a worry-free future. Experience the OnePoint difference today!

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Liquor Liability 101: Essential Coverage for Georgia Bars and Restaurants

Liquor Liability 101: Essential Coverage for Georgia Bars and Restaurants

August 02, 20242 min read

Owning a bar or restaurant in Georgia can be a rewarding venture. However, it also comes with significant risks, particularly when alcohol is involved. Understanding these risks and securing the proper insurance coverage is crucial for protecting your business and its assets.

The High Stakes of Serving Alcohol

Serving alcohol can expose your establishment to a variety of liabilities, including:

  • Dram Shop Laws: Georgia has strict dram shop laws, which hold establishments responsible for injuries or damages caused by intoxicated patrons. This can include car accidents, assaults, and property damage.

  • Over-Serving: Serving alcohol to minors or visibly intoxicated patrons can result in severe legal and financial consequences.

  • On-Premises Accidents: Slip and falls, fights, and other accidents can occur on your premises, potentially leading to lawsuits.

Liquor Liability 101: Essential Coverage for Georgia Bars and Restaurants

Essential Insurance Protection

To safeguard your business from these risks, consider the following insurance coverage:

  • Liquor Liability Insurance: This is a specialized policy that covers claims arising from the serving of alcohol. It protects your business from lawsuits related to injuries or property damage caused by intoxicated patrons.

  • General Liability Insurance: This broader policy covers bodily injury, property damage, and personal injury claims that may arise from your business operations, including slip and falls, food poisoning, and property damage.

  • Commercial Property Insurance: This protects your physical assets, such as buildings, equipment, and inventory, from losses due to fire, theft, vandalism, and other covered perils.

  • Business Income Insurance: This coverage helps replace lost income if your business is temporarily closed due to a covered loss, such as a fire or natural disaster.

  • Employee Liability Insurance: This protects your business from claims made by employees for workplace injuries or illnesses.

Additional Tips

  • Employee Training: Conduct regular training for your staff on responsible serving practices, alcohol awareness, and how to handle intoxicated patrons.

  • Risk Management: Implement policies and procedures to minimize the risk of accidents and incidents.

  • Policy Review: Regularly review your insurance policies to ensure they adequately protect your business.

By understanding the risks associated with serving alcohol and obtaining the appropriate insurance coverage, you can protect your Georgia bar or restaurant from financial ruin. Consulting with an experienced insurance agent can help you determine the specific coverages your business needs.

Protect Your Business with OnePoint Insurance Agency. Our experienced agents can tailor a liquor liability insurance package to fit your specific needs. Contact us today for a free quote.

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Your Questions Answered

What types of insurance does OnePoint Insurance Agency offer?

OnePoint Insurance Agency offers a wide range of insurance products, including home, auto, life, business, group health, group disability income, individual disability income, long-term care, short-term care, and critical illness insurance.

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Our office is located in 555 North Point Center E Suite 400, Alpharetta, GA 30022

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You can get an insurance quote by visiting our website and filling out a quote request form, calling our office, or scheduling an appointment with one of our agents.

What makes OnePoint Insurance Agency different from other insurance agencies?

OnePoint Insurance Agency is an independent agency, meaning we can shop around with multiple insurance carriers to find the best coverage and rates for our clients. We also provide personalized service and tailored solutions to fit each client's unique needs.

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You can contact us by phone, email, or through our website's contact form using this link Our customer service team is available to assist you during our regular business hours.

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