Without this coverage, establishments that serve alcohol in any form, including wine, beer and spirits could end up footing the bill for damages done by an inebriated patron.
Your establishment could be sued if someone drinks at your location and then goes on to cause an accident, damage property or cause injury to themselves or others. Your standard general liability policy generally excludes alcohol related claims unless specifically added by endorsement.
SC State Law Now Requires:
Every person licensed or permitted to sell beer, wine, or alcoholic liquors (“alcoholic beverages”) for onpremises consumption must maintain at least $1 million of liquor liability insurance or general liability insurance with a liquor liability endorsement, if both of the following requirements are met: The person is operating under any type of biennial license or permit for the on-premises consumption of alcoholic beverages, & The location remains open after 5 p.m. to sell alcoholic beverages for onpremises consumption.
Due to excessive litigation, many major insurance companies have stopped writing liquor liability in South Carolina. This has created an insurance marketplace with few options, high prices, and tough underwriting. We can help with these problems. We have many markets at our disposal that still wish to write liquor liability in our state.