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Today we measure the amount of alcohol used in drinks by the shot. But in colonial America gin and other alcoholic drinks were measured in unit shared by apothecaries. This measurement was known as a Drachma or Dram.
Dram Shop Liability Insurance, more commonly knowns as Liquor Liability Insurance is the insurance vehicle used to transfer liquor-related liability that is a part of serving or selling alcoholic beverages. This coverage provides protection against serving intoxicated individuals or minors.Â
When individuals drink too much they not only pose a risk to themselves, they are also a threat to others. As an owner of a restaurant and bar, you have potential financial exposure if you allow intoxicated patrons to drive.Â
But bars and restaurants aren’t the only places that you will find liability associated with alcohol.  Liquor Liability can show up at casinos, sporting venues, and even the office Christmas party. Individuals are not exempt for this exposure. Graduate parties, reunions, and even your wedding could be marred by the actions of an over-served guest.Â
Liquor liability insurance will help you reduce your exposure should an unfortunate event occur. But your first and best way to reduce your personal exposure is to hire a professional bartender. Pouring drinks is the easy part of bartending, not pouring one to the wrong person is the real job.
Tragedy is often the precursor of innovation. It certainly was during WW II. It also drives changes and the creation of new products in the insurance industry. The insurance sector exists because individuals, businesses and other entities have a need to transfer risks to another party. Increasing active shooter incidents in recent years and the corresponding legal actions have created demand for products that can provide financial protection.
industry will over time and after numerous assessments develop standards that when deployed will ward off many would be active shooters. They work for insurance companies will also work to reduce the after effects and of course provide financial relief.
In part one of this article, we discussed the situation of properly classifying workers. In this part, we discuss a method for making that distinction.
another element is the nature of the work. Some businesses want to minimize both their tax liability and legal liability (and related payroll costs) by use of independent contractors. However, the situation can’t be a façade. If workers have an ongoing relationship with the applicable business because the work is normal for that business, likely the work involves employees. When the work is unusual for the given business and lasts for a short period, especially when it involves specialize labor or skills not existing in that business, the work likely involves independent contractors.
First, there is customer expectations. Insurance consumers may be under the impression that damage and injury created by shooters are covered. Second, the insurance market is fragmented over the issue depending upon how incidents are interpreted. Coverage may be sought from existing policies that individuals, commercial or non-profit entities may already carry, including General Liability, the Liability portion of Homeowners, or Workers Compensation. On the other hand, responsibility for harm due to a shooter may need to be covered by a form of professional liability policy as the obligation to protect against shootings may be considered as a failure to provide adequate security.
Because of the position held by policyholder/insureds and insurance companies, the classification of workers is often in conflict as insureds desire liberal coverage and insurers wish to restrict protection to qualified persons. However, both parties are best served when worker classifications are clear. Premiums charged to policyholders are based on correctly recognizing the parties eligible for coverage. Proper classification keeps coverage affordable and makes the insurance process more efficient. Coverage involving employees should be connected to an applicable business that employs them. Coverage involving independent contractors should be connected to the contractors. In other words, they should secure their own, separate coverage.
Insurers commonly provide coverage for mobile/manufactured homes by modifying a conventional homeowner policy with provisions called endorsements. The endorsements change key definitions and other elements of a conventional policy to fit a mobile or manufactured home situation. The result is a modified homeowner package that protects the home, outbuildings (unattached garages, sheds, etc.) and personal property. They also provide insurance for personal liability. Regardless of the type of home you own or live in, 
Any coverage option you choose is likely to reflect the fact that mobile homes are, well, mobile. Therefore coverage is affected by the fact that mobile homes:
and homes. Essentially insurance is offered on a package basis, meaning that there is coverage for physical property as well as protection against the legal and financial consequences of injuring others or damaging property that belongs to others.
