Any business that sells or serves alcohol, including bars, restaurants, catering companies, and event organizers, should consider liquor liability insurance to protect against potential claims.

In British Columbia, businesses must obtain a license from the Liquor and Cannabis Regulation Branch (LCRB) to serve alcohol. Compliance with local laws and regulations is essential.

No, liquor liability insurance typically does not cover all incidents. Policies may have exclusions for specific situations, such as serving alcohol to minors or knowingly over-serving intoxicated patrons.

You can potentially lower your premiums by implementing responsible service training for staff, maintaining a safe environment, minimizing alcohol-related risks, and having a good claims history.

General liability insurance covers a broad range of claims related to bodily injury or property damage on your premises, while liquor liability specifically addresses incidents related to the sale or service of alcohol.

Yes, many insurers offer special event coverage for one-time occasions where alcohol will be served. This can include weddings, parties, or corporate events and typically requires a separate policy.

If you receive a claim, promptly notify your insurance provider and provide them with all relevant information. It’s important to cooperate fully with your insurer during the claims process.

Your claims history can significantly impact your premiums. A history of claims may lead to higher rates or difficulty obtaining coverage, while a clean record can result in lower premiums and better policy options.