Let’s Have a Party

 In Business Insurance, Colorado Insurance Agency, Colorado Insurance Professional

It is getting warmer and some of us are starting to think about backyard BBQ parties, Music Festivals, and Amusement parks.  Some of these types of parties or events will be serving adult beverages in red solo cups but what does that mean for you.

Do you need a separate insurance policy for it?

Liquor Liability Insurance

We will discuss what Liquor Liability Insurance is and determine if you need this type of coverage.  First off, what is Liquor Liability Insurance?  Liquor liability protects you from one of your clients/customers/guests consuming one to many adult beverages and hurting someone or damaging their property.

You may need this type of insurance if you are in the business of making, serving, selling, or facilitating an event that has alcohol (Wedding Hall, Outside Music Venue, Family Reunion).  Liquor Liability insurance is not normally included on your commercial insurance policy.  Contact your local commercial insurance specialist and ask them if you will need this type of coverage.

Things That Should Be included in your policy

When shopping for this type of insurance there are a few things that your insurance policy should include:

• Assault and Battery Coverage
• Defense Costs
• Employees Included
• Damages- Physical and Mental
• Discounts for Safety and no Claims

Affordable American Insurance

Affordable American Insurance is an Independent Insurance Broker owned and operated in Colorado.  If you are looking for insurance why not stop by one of our insurance offices;  there are over 40 to choose from.

Click on this link to find the closest agent: https://affordableamericaninsurance.com/find-an-agent/.

If there is not an agent close to you; you can get an insurance quote through our website.  Follow this link for your insurance quote: https://affordableamericaninsurance.com/get-a-quote/instant-online-quote/.

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Joshua Smith

Affordable American Insurance

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