Serve Safely and Protect Your Business

Liquor Liability Policy

Liquor Liability Insurance is insurance that protects the insured engaged in the business of manufacturing, distributing, selling or serving alcoholic beverages against liability imposed by law or statute for injury or damage resulting in the intoxication of a patron of your business by reason of sale or distribution of alcoholic beverages by the insured.

Liquor Liability may be sold as an add-on to a commercial liability policy or as a separate liability policy.  Your standard liability policy DOES NOT protect your business against liquor liability claims.

Cap on Liquor Liability

In 1998 the state of Colorado passed legislation that caps what may be recovered in a liquor liability claim.  The cap currently is approximately $250,000 per occurrence and $500,000 aggregate. (The reason for the approximate limit is due to cost of living increase adjustments.)

As many of our members know, Bradley Insurance Group offers CLBA members two special discount insurance programs.

Our Workers Compensation Group Dividend Plan through Pinnacol Assurance provides eligible CLBA members with an upfront discount of 4% and the opportunity to earn an additional 20% in annual dividends.  These dividends are in addition to any general dividends Pinnacol declares.

In addition to the work comp Group Dividend Program, Bradley Insurance Group and the CLBA have another discount program for General Liability and Property insurance. This program can provide members savings 30% or more on their business insurance.

We would encourage you take advantage of these unique CLBA benefits.

For more information and a quote, please contact Tim Westbrook at Bradley Insurance Group.

303.480.5005 or email them at:

tim@bradleyinsurance.net

**This is an opinion, not legal advice**