Liquor Liability Insurance Toronto

On average, there are more than 210,000 ER visits linked to alcohol every year. That is why Liquor liability insurance in Toronto is one of the most important and essential insurances available to anyone who’s business involves patrons consuming alcohol.

Whether you manage a chain of restaurants, own an events space, throwing a staff holiday party, or run a catering and serving business, having liquor liability insurance in place is simply a part of being a responsible business owner. 

This is where KASE Insurance can help!

What Is Liquor Liability Insurance?

Liquor liability insurance in Toronto is a kind of insurance that offers an additional layer of protection for anyone who’s business deals with serving alcohol. This goes above and beyond your regular business insurance needs and offers unique coverage for a wide range of potential risks and liabilities. If someone ends up badly injured—or worse—due to their overconsumption of alcohol, you could be held legally and financially liable.

Four cocktails in a row on a bar

Why is Liquor Liability Insurance so Important?

Liquor liability insurance provides protection from legal, hospital, and other unforeseeable costs. It could protect you from having to pay potentially hundreds of thousands of dollars in liability payments. Why put your business in this position? Give yourself peace of mind knowing you are covered by liquor liability insurance in Toronto.

What Does Liquor Liability Insurance Cover?

Liquor liability insurance in Toronto can provide coverage for businesses for a wide range of scenarios and liabilities when it comes to serving alcohol. These coverages can protect against the following liabilities:

  • Employer Liability: In certain circumstances, an employer can be held responsible for the care of their employees if they have over-consumed alcohol at an event such as a staff party or outing.
  • Server Liability: When working an event or in a restaurant, servers are responsible in the instance where they serve alcoholic beverages to their customers past the point of intoxication.
  • Sponsor Liability: In some cases, sponsors of events can be held responsible if potentially dangerous activities are involved. This is because the risk level of these activities increases when alcohol is consumed.
  • Occupant Liability: Under certain circumstances, people or companies that are responsible for a premise, are responsible for ensuring that people on their premises are protected from preventable harm. This includes incidents caused by the consumption of alcohol.
  • Security Liability: If security personnel uses unnecessary or even excessive force when managed intoxicated individuals, they can face legal responsibility.

The particular liquor liability insurance riders that will be included in your plan will depend on what you require. KASE Insurance offers leading customizable insurance plans to ensure that our customers don’t have to pay for more than what they need.

Who Needs Liquor Liability Insurance?

There is a large number of events and instances where alcohol can be considered a major risk factor. Anyone who is involved in the serving of alcohol can be held responsible for any damages or injuries that occur when alcohol is determined to be a significant causative factor to the incident. In these situations, you and your business or organization can be held liable. Even if you are throwing an event where there will be alcohol served, it is best to have liquor liability insurance in place in case anything were to happen.

Why go with KASE Insurance?

In Canada, an average of four people are killed—and many more injured—in alcohol-related motor vehicle crashes alone. That does not include other types of injuries and accidents where alcohol is deemed to be a dominant contributing factor. You, your business, or your organization can be held legally responsible if a patron becomes inebriated enough that a tragic incident occurs. Liquor liability insurance in Toronto has never been more necessary, and a leading commercial insurance brokerage in the GTA such as KASE Insurance can help.

Here at KASE Insurance, we take pride in the work that we do. Client satisfaction is our top priority. We work with a wide range of individuals and their businesses in order to provide them with the insurance coverage that they need. We will work hard to ensure that you are given an insurance policy that is right for you while remaining at a rate that you will love.

If you are looking for an extensive liquor liability insurance policy in Toronto, contact KASE Insurance today!