To help stimulate sales, states across the country have loosened restrictions around to-go and delivery alcohol. For example, in California and New York, alcohol can be delivered or taken to go as long as it’s accompanied by food. In Washington, Texas, and Illinois, restaurants can sell kits that can be mixed at home by their patrons. For many restauranteurs, it’s a new source of revenue that is coming at a time when any revenue is essential to their survival.
From the consumer perspective, the concept is commonly well-received as wines and beers are often offered at substantial discounts. And, for those that were never bartenders in an earlier life, it’s fun to buy a kit and create a specialty cocktail right at home.
Even though the laws are relaxed, it’s always prudent to continue to employ best practices around customer safety. At EPIC, we have many resources available to assist in areas of training and intervention.
What is Liquor Liability?
Hospitality companies that engage in the sale of beer, wine, and spirits buy specific coverage for their liquor liability exposures. The policy provides coverage for their common and statutory liabilities imposed by their state. The commercial general liability policy has an exclusion for companies engaged in the manufacture, distribution, sale, or service of alcohol. Clients must buy back the policy exclusion or buy a separate policy altogether.
For more of our coronavirus coverage, visit epicbrokers.com/coronavirus
EPIC Hospitality Team
Successfully managing risk by identifying and controlling potential sources of loss is the most effective strategy to protect and grow your business and to reduce insurance costs. As your advocate and partner in this process, our experienced team of hospitality industry specialists will identify the risks you face and recommend strategies to minimize, mitigate or eliminate them.