A form of entertainment in many restaurants, flaming beverages liven up the patron experience and is often treated as a bit of a performance in some establishments where food and drinks are cooked and served for all to see.
With a wave of millennial’s entering the workforce, companies have evolved to create a “new workplace” that attracts that demographic of talent. Common perks of the “new workplace” include modern decor, free snacks, unlimited vacation and beer on tap. While great for your employer brand, the reality of these new perks is increased liability risk to your business.
Consider one of these scenarios. Your bartender is serving a patron on a busy Saturday night. She gets slammed with patrons left and right, so she doesn’t take the time to heed signs of intoxication. Slurred speech, droopy eyelids, and the holding of the head do not signal your bartender to stop and access the toxicity of the man at the bar. Eventually, he gets up, walks out, gets behind the wheel, and loses control of his vehicle, slamming into a young woman and daughter.
Recent changes in marijuana legalization laws across Massachusetts has caused restaurant owners to become more concerned about public intoxication and liability concerns stemmed from adverse behavior.
Any busy restaurant can get easily overwhelmed with the influx of people coming through the door and sitting down at the bar for a drink. As bartenders and servers busily run about accommodating the requests of each patron, it’s easy for them to overlook the warning signs of intoxication.
After all, people are human. As a species, we make lapses in judgment and fail to stop and think when we really should. While all mistakes are mistakes, some have far bigger consequences than others.
Liquor liability is a type of insurance commonly purchased by restaurant owners and country clubs to protect their business from being held liable for patron behaviors stemming from servicing alcohol.
Food service and hospitality business owners know that when it comes to protecting their businesses, every little bit counts. This industry can be highly rewarding and highly profitable to be in, but it is also an industry that is particularly vulnerable to liability claims. That is why a lot of these establishments will improve their underlying policies with umbrella liability insurance. Talk to our expert agents and make sure you are properly covered to avoid costly situations, like disgruntled ex-employee lawsuits, drunk patrons misbehaving, and ill-stricken customers from food poisoning. [Read more…]
Country clubs are fun, relaxing places to enjoy recreational activities. People flock to the classy golf courses, swimming pools, tennis courts, and other facilities to escape the stress of their everyday lives. However, owning a country club can be a whole different experience. There are a myriad of duties and potential dangers to be navigated, including liability. It’s a misconception that bars, liquor stores, and restaurants are the only establishments which require liquor liability coverage. In reality, any business which serves alcohol should carry liquor liability coverage—including country clubs.
The following is an article from Brian Kilcoyne, CIC President of H&K Insurance and director of our Golf & Country Club Program.
Bodily injury that you cause to someone or to someone’s property is a simple definition of liability.
A common definition of a named insured for a club is the club itself, all its employees, managers, directors, officers, members, and volunteers. [Read more…]
So you are interested in opening a restaurant. Well, it’s no secret that liquor is one of the highest providers of profit margin for restaurants. The sale of liquor is an excellent way to increase profit in a tough and competitive industry. Your servers will also be happy to see their tip totals going up, as the check amounts increase. In fact, some patrons may or may not find themselves more generous with tips as they consume alcohol. So why not serve alcohol and let everyone have a good time? The reality is that there are potential risks that must also be considered.