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Liquor Liability Insurance in South Gate, Bellflower, and Van Nuys, CA

Liquor laws vary widely by state, but one universal truth across the country is that all locations selling intoxicating beverages are at risk if the people they serve decide to make poor choices. Liquor liability policies are very specific about what they cover, and our agents can help make sure your policy fully protects your business.

The most important aspect of liquor liability insurance to keep in mind is that it is not included with most business policies. You've invested a lot in running your establishment, and one thing you don't need is a regulatory fine for something you thought had been taken care of. Our agents will make sure that doesn’t happen by creating a policy that meets local regulations and provides enough coverage for the types of incidents you face. These include:

  • Injuries or damages caused by intoxicated patrons
  • Lawsuits brought by customers who misinterpreted an employee's actions (especially being escorted out of the establishment)
  • Litigation costs, including hiring a lawyer and defending against claims brought against your business

Liquor Liability for Weddings and Events

Licensed establishments aren't the only places where liquor might be served. People also tend to drink alcohol at weddings and other major events—sometimes as part of the ceremony, other times as a way of relaxing and having fun afterwards. Whatever your reason for serving alcohol, liquor liability insurance can help keep costs from spiraling out of control if someone gets drunk enough to cause a scene.

ANA Insurance Brokerage, Inc. agents are familiar with which local venues require you to have this coverage if you'll be hosting a wedding where alcohol will be served, and our representatives will work with you to ensure that the policy you have meets any other requirements the location has.

Limitations of Liquor Liability Insurance

Most policies apply only to incidents that you were involved with as a part of doing business or hosting an event. They may not cover off-site incidents, non-business activities (such as giving free drinks to friends after closing down your business for the night), and similar incidents. Exclusions may vary by policy, so be sure to read which ones apply to you and consider asking for a policy modification if you expect any of the exclusions to occur on a regular basis.

Your policy may also have an annual cap on how much it will pay out. If your business is particularly risky (for example, bottles are broken on a particularly frequent basis), you may wish to increase your policy limit. Call now for more information—our agents can help you determine the amount of liquor liability insurance that's most appropriate for your business.

 

1. O'Connor, Cozen. "Comparison of State Liquor Liability Laws." Cozen.com. August 2007. Accessed April 21, 2016. https://www.cozen.com/admin/files/publications/Dram_Shop.pdf.

2. Larino, Jennifer. "Bars Often Roll Dice on Liquor Liability Coverage." Insurance Journal News. April 01, 2013. Accessed April 28, 2016. http://www.insurancejournal.com/news/southcentral/2013/04/01/286632.htm.

3. "Host Liquor Liability." Insurance Glossary. Accessed April 28, 2016. https://www.irmi.com/online/insurance-glossary/terms/h/host-liquor-liability.aspx.

Our Locations

Main Office

4082 Tweedy Blvd
South Gate, CA 90280
Main office: 323-859-1396
Fax: 323-563-8809

Bellflower

10130 Rosecrans Ave
Bellflower, CA 90706
Main office: 562-472-2264
Fax: 562-863-6344

Van Nuys

14506 ½ Victory Bvld
Van Nuys, CA 91401
Main office: 818-237-4003
Fax: 818-787-6471

Our Providers

Testimonials

My mother was the first to use Ana Insurance and she always had a great experience and saved a LOT of money. So when I bought my car she suggested that I go to Ana's, too, and I have saved a lot of money, myself, as well as enjoying the personal touches that Freddy and Corin have always provided. I will never go anywhere else for insurance.

J. MacGregor
I like the professionalism and the great service.

R. Kyser Jr.
Dulcemaria and Javier helped me with my insurance and gave me the best deal. They were very helpful and polite and patient. If you need insurance go to ANA Insurance.

M. Mendez
Switched from other broker of Mercury Insurance to come to ANA. They have a very friendly yet extremely professional environment and I see them like family. Truly the best decision I ever made!

B. Abrams
Marlyn is awesome at what she does. Her customer service and personality makes you feel welcomed. I highly recommend Marlyn for all your insurance needs.

R. Reyes
Great insurance, love this place. I had insurance with this company before but had to change it because it got too expensive. I ended up with Freeway Insurance and regretted it later because of several problems. The biggest one was that they lied to me by saying that my payment came back with insufficient funds and had to get a bank statement to prove otherwise. Never had this problem before with ANA and I doubt I ever will. Alex was my agent and he did a great job in finding a good deal.

C. Valencia