Liquor liability insurance for a pizza restaurant protects the business from legal and financial responsibility if it is held liable for injuries or damage caused by someone who becomes intoxicated after consuming alcohol sold or served by the pizza restaurant. This coverage is critical for a pizza restaurant that offers sit down dining where alcohol is served.
If an intoxicated customer causes harm to themselves or others (e.g., in a car accident), the insurance covers medical costs, legal fees, and settlements.
If an intoxicated individual damages someone else's property, this insurance can cover the repair or replacement costs.
The policy may cover legal fees if the pizza restaurant is sued for damages related to the actions of an intoxicated patron.
Some pizza insurance policies include coverage for incidents involving physical altercations caused by intoxicated individuals.