During the COVID shutdowns of bars and restaurants in 2020, many businesses came up with creative ways to attract revenue. ‘Cocktails to Go’ proved successful for many businesses and a number of states have allowed the practice to continue post-COVID. This has led to a frequent question from agents and policyholders – “…am I covered?”
The simple answer is yes. The ICC Liquor Liability policy does not have separate language for on-premises versus off-premises consumption. As long as the actual sale is allowed by their liquor license and the sale takes place at the “described premises” as defined in the coverage form, the policy would respond in the event of a claim.
As with any furnishing of alcohol, liability is subject to the state dram shop statutes. In every state, a sale to a minor is not allowed. In most states, a sale to an obviously or visibly intoxicated patron may create liability for any injury caused by the allegedly intoxicated patron. Therefore, the same rules apply whether providing a drink for on-premises consumption or as a ‘Cocktail to Go’.
For more information on how your food and beverage business can benefit from our expertly crafted insurance products and services, visit www.ilcasco.com. You can find an ICC agent in your area by using our Find an Agent search.
