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Liquor Liability

Operations selling or serving alcoholic beverages have increased liability loss exposures. The results of an accident involving consumption of alcoholic beverages can potentially fall on the person or persons who provided the beverages. Liability may be imposed on businesses by statute (Dram Shop and Alcoholic Beverage Control Acts) or common law or both.

Liquor liability exposure is not limited to those whose primary business is the sale of alcoholic beverages. Businesses that serve alcoholic beverages as an incidental part of their operation also have an exposure. If a person attends an office party, company picnic, or open house sponsored by the company, becomes intoxicated and injures a third party, the company may be held liable for damages in some jurisdictions. Some jurisdictions may also hold owners or lessors of premises liable in certain circumstances.

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