--- title: Liquor Liability Insurance for Your Restaurant – Are You Covered? description: Liquor Liability Insurance for restaurants and bars defends you against any charges of negligence related to the service of alcohol on your premises. image: https://www.sutherland-scherff.com/hs-fs/file-13462835-jpg/images/liquor_liability.jpg --- [![logo](https://www.sutherland-scherff.com/hs-fs/file-2124776912-png/image/logo.png)](https://www.sutherland-scherff.com/) [![Facebook](https://www.sutherland-scherff.com/hs-fs/file-2124776847-png/image/f.png)](http://www.facebook.com/pages/Sutherland-Scherff+Insurance+Services,+Inc./259814816749)[![Twitter](https://www.sutherland-scherff.com/hs-fs/file-2123924931-png/image/t.png)](http://www.twitter.com/SutherlandIns)[![YouTube](https://www.sutherland-scherff.com/hs-fs/file-2124776862-png/image/y.png)](http://www.youtube.com/user/SutherlandIns)(888) 400-1133 # The Insurance Family Blog ## [Liquor Liability Insurance for Your Restaurant – Are You Covered?](https://www.sutherland-scherff.com/blog/bid/64822/Liquor-Liability-Insurance-for-Your-Restaurant-Are-You-Covered) Posted by [Susie Scherff](https://www.sutherland-scherff.com/blog/author/susie-scherff) on August 29, 2011 at 9:30 AM - [Tweet](https://twitter.com/share) ## **Coverage** **![Liquor Liability](https://www.sutherland-scherff.com/hs-fs/file-13462835-jpg/images/liquor_liability.jpg?width=224&height=213&name=liquor_liability.jpg)Liquor Liability Insurance** for California restaurants and bars defends you against any charges of negligence related to the service of alcohol on your premises, and also indemnifies your business for any** financial loss** if you are found to be **legally liable** for any negligence.  As the owner, you are responsible for your patrons when alcohol is served to them under **California’s Liquor Liability laws. ** Think of it this way - if a patron of your establishment has one beer too many under your roof, and is involved in an **automobile accident** an hour after they have left your business,  the injured party can hold you liable for damages under **liquor liability laws**. ## **Am I Covered?** You might think because you have [general liability coverage](https://www.sutherland-scherff.com/business-insurance/general-liability-0/) for your restaurant or bar that you are covered for **liquor liability**. General liability insurance excludes coverage, for persons or organizations in the business of manufacturing, distributing, selling or serving alcoholic beverages, for injuries or damage arising out of selling serving or giving such alcoholic beverages to a person already under the influence of alcohol, or if it causes or contributes to the intoxication of any person.  **Liquor liability insurance** coverage can be purchased as an endorsement to your general liability policy or as a separate policy. ## Take action In addition to purchasing a** liquor liability policy**, businesses can** limit their risk** to claims and help **reduce their insurance costs** by taking a few proactive steps such as: - **Training employees** to refuse service to obviously intoxicated patrons. - Require employees to **carefully measure** the amount of alcohol they pour into a drink. - **Refuse service** to patrons who are prone to fight or cause incidents. - Enroll employees in **insurer-sponsored training**. This training will help your employees limit your exposure to claims, and many insurers offer a premium discount to businesses that have their employees complete the training. All of these factors mean that **liquor liability** in California is a tricky business, so it is important to consider California** Liquor Liability Insurance** for your restaurant.  Click [here](https://www.sutherland-scherff.com/contact-us-0/) to contact Sutherland-Scherff about Liquor Liability Insurance as part of our [restaurant insurance](https://www.sutherland-scherff.com/business-insurance/restaurant-insurance-0/) packages. 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