Liquor Liability Insurance Provided By Our Agency

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Protect Your Business From The Unique Risks of Serving Alcohol

If your business serves, sells, or distributes alcohol, having liquor liability insurance is not just smart; it’s essential. At Sargent Insurance Agency, we understand the risks associated with alcohol-related incidents. We help you stay protected with coverage that fits your operations, regardless of size or setting.

Liquor liability insurance protects businesses that serve alcohol in case a patron causes harm or damage after being served. Whether it’s a bar fight, property damage, or injury caused by an intoxicated customer, this policy provides coverage where general liability may not.

Many states, including Arkansas, hold businesses that serve alcohol legally responsible for such incidents, even if they happen off the premises. That’s why liquor liability coverage is not just a safeguard; it’s often a legal requirement.

If your business sells, serves, or distributes alcohol, you likely need this insurance. This includes:

  • Bars
  • Restaurants
  • Breweries and distilleries
  • Caterers
  • Convenience stores
  • Liquor stores
  • Event venues
  • Private clubs
  • Festivals or one-time events serving alcohol

Whether you own a cozy neighborhood pub or a large event space, liquor liability should be part of your coverage plan if alcohol is involved.

Liquor liability insurance typically protects against:

  • Third-party bodily injury or property damage caused by an intoxicated person served by your business
  • Legal fees and court costs for defending your business
  • Settlements and medical expenses from claims

Coverage can be adjusted to suit your specific business type, risk level, and state laws.

Liquor Liability Insurance is necessary for businesses that manufacture, sell, or serve alcohol as part of their operations.

Host Liquor Liability is usually part of a standard general liability policy. It covers individuals or businesses not in the alcohol business, such as hosting a holiday party and serving drinks.

If your business relies on alcohol sales or service, host liquor coverage alone won’t be sufficient. That’s where a dedicated liquor liability policy comes in.

In many areas, having liquor liability insurance is legally required to get a liquor license. Even where it’s not required, not having it can put your business at significant financial risk.

At Sargent Insurance Agency, we help you meet all local compliance standards while ensuring your coverage addresses your real-world risks.

We’re Here to Help You Navigate Liquor Liability
Sargent Insurance Agency has helped Arkansas business owners like you with affordable insurance solutions. As a local, family-run agency, we understand the challenges you face and work hard to give you peace of mind.

Whether you are running a one-day event or a full-time establishment, we’ll guide you through the right liquor liability coverage. We make the process simple, clear, and quick.

Let’s Get Started Together

Protecting your home starts with a conversation. Whether you're building, buying, or just reviewing your current plan, we're happy to help. No pressure. No hassle. Just honest, neighborly advice.

Call us today or request a callback. We’re always just down the road and ready to help you protect what matters most.

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