Guide to Insurance

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Liability And Risk Management

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?Liability as a server ? Serving people past the point of intoxication



?Liability as an occupier ? People, companies or any other organization that owns, has possession of or responsibility for premises.

?Liability as an employer regarding employees consuming alcohol.

?Liability as a sponsor of potentially dangerous activities.

?Use of excessive force ? Security personnel cannot use unnecessary or excessive force to manage intoxicated patrons.

15 ways you can manage your liability risk.

1.Purchase Restaurant Insurance

2.Limit alcohol consumption

3.Do not serve obviously intoxicated persons.

4.Encourage taxi use.

5.Provide reduced/subsidized taxi and hotel rates

6.Encourage car pool or designated-driver program

7.Reminder patrons not to drink and rive.

8.Watch people leaving and encourage/insist on taxi use.

9.Display posters from Mother's Against Drinking and Driving (MADD), Students Against Driving and Driving (SADD) or similar organization.

10.Do not serve alcohol to those under legal drinking age.

11.Implement a mandatory identification policy.

12.Regulate hours to sell or server alcohol.

13.Do not allow employees/volunteers to consume alcohol or drugs

14.Do not allow employees to drink and rive.

15.Never admin liability!!!
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