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Liquor Liability Insurance in Seneca and Clemson, SC

Liquor laws vary widely by state, but one universal truth across the country is that all locations selling intoxicating beverages are at risk if the people they serve decide to make poor choices. Liquor liability policies are very specific about what they cover, and our agents can help make sure your policy fully protects your business.

The most important aspect of liquor liability insurance to keep in mind is that it is not included with most business policies. You've invested a lot in running your establishment, and one thing you don't need is a regulatory fine for something you thought had been taken care of. Our agents will make sure that doesn’t happen by creating a policy that meets local regulations and provides enough coverage for the types of incidents you face. These include:

  • Injuries or damages caused by intoxicated patrons
  • Lawsuits brought by customers who misinterpreted an employee's actions (especially being escorted out of the establishment)
  • Litigation costs, including hiring a lawyer and defending against claims brought against your business

Liquor Liability for Weddings and Events

Licensed establishments aren't the only places where liquor might be served. People also tend to drink alcohol at weddings and other major events—sometimes as part of the ceremony, other times as a way of relaxing and having fun afterwards. Whatever your reason for serving alcohol, liquor liability insurance can help keep costs from spiraling out of control if someone gets drunk enough to cause a scene.

Chudyk Financial Services and Insurance Group agents are familiar with which local venues require you to have this coverage if you'll be hosting a wedding where alcohol will be served, and our representatives will work with you to ensure that the policy you have meets any other requirements the location has.

Limitations of Liquor Liability Insurance

Most policies apply only to incidents that you were involved with as a part of doing business or hosting an event. They may not cover off-site incidents, non-business activities (such as giving free drinks to friends after closing down your business for the night), and similar incidents. Exclusions may vary by policy, so be sure to read which ones apply to you and consider asking for a policy modification if you expect any of the exclusions to occur on a regular basis.

Your policy may also have an annual cap on how much it will pay out. If your business is particularly risky (for example, bottles are broken on a particularly frequent basis), you may wish to increase your policy limit. Call now for more information—our agents can help you determine the amount of liquor liability insurance that's most appropriate for your business.

 

1. O'Connor, Cozen. "Comparison of State Liquor Liability Laws." Cozen.com. August 2007. Accessed April 21, 2016. https://www.cozen.com/admin/files/publications/Dram_Shop.pdf.

2. Larino, Jennifer. "Bars Often Roll Dice on Liquor Liability Coverage." Insurance Journal News. April 01, 2013. Accessed April 28, 2016. http://www.insurancejournal.com/news/southcentral/2013/04/01/286632.htm.

3. "Host Liquor Liability." Insurance Glossary. Accessed April 28, 2016. https://www.irmi.com/online/insurance-glossary/terms/h/host-liquor-liability.aspx.

Our Location

Chudyk Financial Services and Insurance

932 By Pass 123
Seneca, SC 29678
Main office: 864-606-3589
Fax: 864-882-1045

Our Providers

Testimonials

I have been with Nationwide since I was in my 20's and I have been well pleased with every aspect. I look forward to many more years to come.

kdrhodes
Very pleased with my service. Great customer service, easy to work with, overall a great experience!

MVance
We needed to get rental insurance while we built our new home. Chuck was quick, knowledgeable, and very helpful with our needs.

Juliekdrn
David and his staff have been great in assisting in every way! Always available and very knowledgeable about any situation.

GalinaH
All insurance companies pretty much have the same products to offer. What sets this agency apart is the unsurpassed customer service. The ENTIRE staff including David himself make you feel like you are their ONLY customer. I chose this agency not because their prices were lower but because of the service I received. I have been with this agency going on 2 years and the level of service has never changed. This tells me they not only wanted my business they want to keep my business. If you are looking for auto/home/life insurance or financial services, do yourself a favor and give this agency a shot, you won't be sorry!

SCGirl
These guys know that sometimes you meet with rough edges in life and they never falter to assist with giving me the proper information on any changes or new savings I might get. Would not switch to another store if you PAID me too!! Always friendly, Always provides a solution to any problem!

ZoesMama
I have been with Nationwide since 1998. With David Chudyk for many years since my original agent retired. I have been extremely happy with this agent and his staff. They are very nice, professional and always help me any way they can. Customer for life.

Sheryl2112
David researched an insurance question for me and provided a thorough answer. When I responded with an additional question, David politely instructed me where to find that information in the material he had already provided. Quite kind and patient and clearly knew what I needed. In addition, he was able to respond at a time that was definitely beyond the bounds of the normal business day. Thanks . . .

henryj
5/5 great service. nice to get someone on the phone when you need to.

Daniel321
eveybody is so nice and welcoming at the david chudyk agency , i would recommend him to anyone and everyone !! the front desk girl cassie if very nice and always does what she can to help .

Anonymous
My husband recently had some issues, as a result of an error with the Virginia Dept of Motor Vehicles. The issue was clearly their fault. My husband showed up at David Chudyk's office after hours and Mr. Chudyk opened the office back up to help him. It took over 3 weeks to have the issue resolved, but Mr. Chudyk and his staff faxed, refaxed and refaxed again the paperwork that they needed as well as made numerous phone calls. I appreciate David Chudyk and his staff for helping my husband straighten this issue out. I feel that they went above and beyond for us.

jagibson
During an exhausting search for a better price with my clients insurance for Business and personal. I was extremely aware that David was not only considerate but helpful in guiding me to the right coverage at the best possible pricing.. He has went beyond any other agent in my past 25 years has done to ensure that this office and my clients personal coverage was not only what the required but what they needed. In a world of law suits coming for all directions having someone to guide you in what is necessary is what I call above the bar service. Also I am in Cashiers NC and he had no problem servicing our needs from his Seneca SC business office. I plan to let everyone know what an excellent individual / company he is to work with! Again. Thank You David and staff.

Rice
This is.one of the best offices aroun they are very nice and helpfull. I would recomend this for anybody:D

Evan
I have worked with David over the last year. He has shown me that his main goal is to provide excellent service and adequate coverage to his clients. Recently, I spoke with a current customer of David's who spoke very highly of David's consultative selling approach. In fact, he said that he knows David will always take care of him and make sure he has all the coverages he needs, no more and no less.

Anonymous
David and staff are always responsive to my requests for information and policy changes. My preferred channels of communication are email, phone, and text message, but usually not an office visit. The Chudyk agency has always responded to my requests and needs in a timely manner regardless of which method of communication I use to contact them. Thus far, my experience with Nationwide and the Chudyk Agency have been positive.

sburrell