Commercial

Do Georgia restaurants and bars need separate liquor liability insurance?

Georgia businesses that serve alcohol (restaurants, bars, catering companies, event venues) need liquor liability insurance separate from their GL. Standard GL policies exclude liability claims arising from serving alcohol that leads to an intoxicated person injuring themselves or others. A Georgia restaurant that over-serves a patron who then drives and causes an accident faces dram shop liability for that accident. Liquor liability coverage pays the legal defense and damages in these claims. Georgia's dram shop statute allows third-party claims against alcohol-serving establishments. Liquor liability is not optional for any Georgia business that serves or sells alcohol.

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Do Georgia restaurants and bars need separate liquor liability insurance?

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