A Service of Alcohol Policy Can Help Prevent Costly Accidents


Protect Your Guests, Staff, and Business by Posting Your Policy

Learning that an intoxicated patron was involved in a car accident can be one of the most uneasy feelings a restaurant or bar owner could experience. Now that we are closer to the holidays, Hospitality Insurance Group urges business owners to have a Service of Alcohol policy in place to help prevent alcohol-related incidents.

Sandra Haley, Sr. Vice President of Underwriting and Marketing, explained that insurers understand that guests could get disorderly and suggests that having an alcohol serving policy in place can help diffuse some situations.

“Staff can avoid confrontations with patrons about overserving them if you have an alcohol serving policy posted in your establishment,” she said. “Not only does it support your employees, it also lets patrons know that you are watching them.”

The policy should also provide procedures on how to deal with people who have had too much to drink, Haley explained. It is important for business owners and bartenders to understand that following the policy is instrumental in preventing incidents that could lead to bodily injury, property damage, or death.

“The cost of overserving someone goes far beyond the extra dollars you’re going to collect,” Haley said, adding, “it is never worth the risk.”

Establishments, she says, could also face fines from the Alcohol Commission, risk losing their license, and damage their reputation because of overserving. Another cost to consider is the increase in the business owner’s insurance premium. “Insurance companies look at claims that occurred at the establishment and premiums are determined by the establishment’s experience,” Haley said.

Business owners that would like more guidance on creating their own Service of Alcohol policy should speak with their insurance agent. To make sure you are protecting your business from every threat this season, ask your insurance agent about a policy from Hospitality Insurance Group.

The opinions expressed are the views of the author alone and should not be attributed to any other individual or entity and shall not constitute a legal opinion.