Do general liability policies cover incidents involving intoxicated customers?
General liability insurance isn’t a replacement for liquor liability. While general liability typically includes coverage for standard “slip and fall” accidents, it often frequently even these accidents when the injured party is inebriated. It almost certainly doesn’t cover assaults, brawls, DUIs or alcohol poisoning.
When both general liability and liquor liability coverages are needed, they can usually be acquired together through a commercial package policy. Commercial package policies bundle multiple insurance coverages for convenience and potential savings. The two coverages are distinct from each other, though.