Do brewery and winery staff need to have their own liquor liability policy?
Employees of breweries, wineries and distilleries that serve beverages in a tasting room should make sure they’re insured against being personally sued. Purchasing their own liquor liability coverage usually isn’t needed, however.
When an employer has a liquor liability policy, its employees are normally covered under the policy. There’s likely little need for an employee to purchase their own coverage, provided that the employers is sufficient.
In the unlikely situation that an employer doesn’t have sufficient liquor liability coverage, whether they have none or only a minimal amount, an employee might consider purchasing their own policy. This is uncommon but possible.
Any employees who are concerned about their personal liability risk exposure should speak with an insurance agent who specializes in this type of insurance. A knowledgeable agent will be able to help check an employer’s policy and discuss any individual risk exposure that an employee is concerned about.