Description of operations / food sales vs. liquor sales / training of staff / details of any security / claim history / size of establishment / entertainment details / drink specials / average age of patrons
Liquor Liability is a critical coverage for restaurants, bars and any establishment that serves alcohol. For this reason, BYO establishments should check their Liability coverage to see if a liquor claim would be address or excluded.
For both the hosts and venues for special events, Liquor Liability coverage is a consideration to ensure that if someone leaves an event intoxicated and there is a resulting accident that coverage exists should negligence be alleged on the part of the hosts or the venue.
Lastly, not all coverage is the same. For example, some programs will offer Assault & Battery coverage while others will not. For this reason, as well as many others, checking the broad market for options is always recommended.