Bars Often Roll Dice on Liquor Liability Coverage

Louisiana beer tavern owners Chuck Brechtel and Eddie Dyer are the first to admit that plenty can go wrong For that reason, they say they err conservatively when buying insurance for their five-bar chain, The Bulldog and Lager. That includes paying roughly $25,000 extra per year on a special line of coverage to protect each location from liquor-related losses and damages. Brechtel said owners can’t be there every day to ensure bartenders stop serving visibly intoxicated patrons and call a cab for them, and they have little control if an inebriated patron decides to start a fight on their property and injures bystanders.