Running a restaurant or bar is rewarding — but also risky. From slips and falls to over-service claims, New Jersey restaurants face unique exposures. That’s why restaurant insurance in NJ should always include liquor liability coverage. Without it, a single incident tied to alcohol service could jeopardize your business.
Common Restaurant Claims
Restaurants and bars regularly face claims such as:
- Customers injured on your property
- Kitchen fires or equipment breakdowns that damage property
- Intoxication-related incidents tied to alcohol service
Even if your staff follows every precaution, you could still be held responsible for what happens after a guest leaves your establishment.
Why Liquor Liability Insurance Matters
Liquor liability insurance shields restaurants and bars from lawsuits related to serving alcohol. Whether it’s a car accident or a fight involving an intoxicated patron, this coverage prevents legal expenses from becoming overwhelming.
New Jersey Restaurant Requirements
Liquor-serving establishments in NJ are often required to carry this type of coverage. By working with MPL Risk, restaurants can ensure they meet state requirements while also customizing policies to cover their unique risks.
Protect your bar or restaurant with comprehensive restaurant insurance in NJ. Get covered today.
