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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.
1 Premises and Operations Liability â Provides coverage for bodily injury and property damage sustained by others on your premises or in conjunction with your business operations.  Products Liability â Provides coverage for bodily injury and property damage sustained by others as a result of your products.