Thursday, October 30, 2008

If You Serve Alcohol, Save Up To 20% On Your Insurance By Doing This:

1. Having a Formal Alcohol Certified Training Program:
Have each employee receive a certificate for completion of alcohol training and awareness.

2. Having a Formal Policy Outlined For The Following:
  • Selling or serving beverage alcohol to those who appear intoxicated
  • Age Identification
  • Fight disturbance and/or fight control if a disturbance breaks out
  • Designated driver program
  • Setting up local taxi service or providing rides for intoxicated patrons
  • Completing incident reports when an incident happens - fight/refusal of service
  • Having coffee and food always available

3. Building Security - Do you have security cameras? What's their visibility, are they taped on discs, hard drive or video tapes, etc?

4. Security Personnel - Do you use employees or have a hired service? Do you have a formal security policy established regarding authority and use of reasonable force?

Completing the above will make your business a better risk and help to keep your risk premiums lower.

2 comments:

Anonymous said...

Nice information. I suggest another site that provides information on host liquor liability insurance.

Brian J Hanson said...

Good site Monica. I also suggest asking your broker to look at USLI, Philadelphia, Chubb and Chartis Insurance for Host Liquor Liability. They have written some excellent policies for me on everything from single events to large county fairs. Host Liquor is something that a lot of companies overlook, especially when throwing company gatherings. Thanks for your input and the link to your site.