Does my insurance cover liquor liability claims?

In West Virginia, liquor liability claims are generally covered under your insurance policy if you have a business liability policy. However, it is important to read your policy and speak to an insurance agent to make sure liquor liability is included. Liquor liability law in West Virginia is regulated by the State of West Virginia Alcohol Beverage Control Administration. It is illegal to sell, serve, or furnish alcoholic beverages to an individual under the age of 21 or any individual who is “obviously intoxicated” in the state of West Virginia. Furthermore, an individual may be held liable if he or she serves or supplies an alcoholic beverage to an individual that visibly displays signs of intoxication or has consumed an excessive amount of drinks. To ensure that your business is properly covered, it is important to speak with an insurance agent to determine if liquor liability is included in your policy. If not, then you can purchase additional coverage specifically for liquor liability. This separate coverage will protect you from any claims of property damage or bodily injury that can result from an individual falling under the influence of alcohol that you provided. In conclusion, it is important to speak with an insurance agent to confirm whether or not liquor liability claims are covered under your policy. It is also important to understand and abide by liquor liability law in West Virginia, as you may be held liable if you serve or furnish alcoholic beverages to an individual who is underage or obviously intoxicated.

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Does my insurance cover liquor liability claims?

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