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Alcohol-Related Insurance Claims Against Our Restaurant Policyholders & How We Removed The Risk

Alcohol-Related Insurance Claims Against Our Restaurant Policyholders

In today’s world, businesses are sued daily and Insurance Defense Claimsheld liable for practically anything – especially alcohol-related insurance claims. One verdict in Boston topped $40 million, while two
bar lawsuit cases settlements in Worcester, MA each topped $20 million.

As a multi-state liquor liability insurance company, it’s our responsibility to protect our policyholders.

Take a look at some of the alcohol-related insurance claims and dram shop lawsuits against our restaurant policyholders that our team of Attorney’s have successfully defended.

CASE #1 Negligent Security General Liability A&B

PLAINTIFF: An underage patron was served at our policyholder’s establishment. He then randomly attacked other patrons with a hatchet concealed beneath his overcoat.

CLAIM: The claim filed against our policyholder alleged their failure to secure the premises.

VERDICT: After only one hour of deliberation, the jury concluded that the assailant’s actions were unforeseen and defense verdict was entered.

ESTIMATED EXPOSURE: High Six Figures

CASE #2 Dram Shop Liquor Liability

PLAINTIFF: A patron ordered several drinks at our policyholder’s establishment. Upon leaving, his vehicle collided with the rear of another motorist’s van.

CLAIM: The injured motorist filed a dram shop lawsuit against the policyholder after becoming a quadriplegic due to the impact of the accident.

 VERDICT: An arbitrator concluded that the evidence in this case, was inconclusive as to whether the patron was ever at the policyholder’s establishment on the date of the accident. The arbitrator sided with the defense.

ESTIMATED EXPOSURE: High Seven Figures

CASE #3 Dram Shop Liquor Liability A&B

PLAINTIFF: The plaintiff was struck in the face with a pool stick resulting in a fractured jaw that was wired shut for several months.

CLAIM: The lawsuit filed against the policyholder included counts involving negligent security and negligent service of alcohol to the patron who injured the plaintiff.

VERDICT: The jury concluded that the assailant’s actions were unforeseen and a defense verdict was entered.

 ESTIMATED EXPOSURE: High Six Figures

 

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Hospitality Insurance Group is a liquor liability insurance group writing insurance for bars and taverns in Connecticut, Massachusetts, New Hampshire, North Carolina, Pennsylvania, Rhode Island and Vermont.

For more information about how you can work with Hospitality Insurance Group as an Independent Insurance Agent or obtain a quote for liquor liability insurance, click here to request a call from us, email or office visit from one of our local representatives near you.

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Agent Update: New & Renewed Business

You asked, we listened! Effective March 15, 2017, Hospitality Insurance Group will be sending invoices on new and renewal business. Many of our agency partners requested that policies be mailed out upon binding with invoices enclosed in order to make it easier for payment to be remitted to us.

Effective March 15, 2017, Hospitality Insurance Group will be sending invoices on new and renewal business. Many of our agency partners requested that policies be mailed out upon binding with invoices enclosed in order to make it easier for payment to be remitted to us.

Many of our agency partners requested that policies be mailed out upon binding with invoices enclosed in order to make it easier for payment to be remitted to us.

What does this actually mean to our agency partners?

We will no longer be holding new and renewal policies for payments to arrive. Once we receive the bind order and PROOF of payment, we will be mailing our agents the policies along with the invoices. We ask that when you remit payment to us that you enclose the invoice so that we can appropriately match the funds to the correct account.

Endorsements will still be emailed electronically to your agency. The endorsement Additional Premium or Return Premium will be reflected on the last page of the revised declaration page sent to your agency and WILL not be accompanied by an invoice. There is no change to the endorsement processing from what currently exists.

We hope that you will be pleased with this new procedure!

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