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By greenwoodinsurance | Published March 12, 2013. Any establishment that sells, serves, or assists in the purchase or use of liquor (i.e. dram shop) opens its doors for a liability claim as a consequence of someone getting drunk to the extent that injuries or property damages are the result. This includes restaurants, bars, nightclubs, and taverns.
Option 2 â Liability Coverage. Liability insurance is designed to cover bodily injury or property damage caused by operation of a rental vehicle. If the vehicle is rented personally, and the renter has a personal auto policy, liability should extend to the rental car.