What is Liquor Liability Insurance and How Much Does it Cost? Serving liquor is a lucrative feature for any bar or restaurant, but it exposes them to a risk of liabilities. As a result, it will require them to have specialized commercial insurance coverage. And that is where liquor liability coverage comes in. The policy will protect a business if an intoxicated person causes property damage or bodily injury after drinking at their establishment. If the staff has served such a person, the restaurant will be held liable for any damages. The policy is needed and in most cases state required by any business in Dallas that sells, serves, or allows consumption of alcohol. Liquor Liability in Dallas covers a variety of alcohol related claims involving drunk driving, falls, fights, and sexual harassment. Additionally, the insurance will cover costs such as legal fees, medical bills, and settlement payouts. However, insurance companies use different factors to determine the cost of insurance. Some of them are discussed below:
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