When defending dram shop/liquor liability cases, one sees on a repeat basis some of the worst effects that the over-consumption of alcohol can have. Here in Pennsylvania, we also encounter some fairly inconsistent results with respect to the ability (or relative inability) of an injured party, or a deceased claimant’s family, to recover for the injuries and damages caused by the alleged intoxicated patron (referred to in our world as the AIP). One reason for this inconsistency is that there is no requirement in Pennsylvania that liquor licensees carry liquor liability insurance. As a result, many businesses choose not to do so.

In speaking with clients, typically insured clients, one of the questions we hear most frequently is, “Why aren’t all bars required to carry liquor liability insurance?” Another question posed to our insurance carrier and agent colleagues on a daily basis from insureds is, “if we aren’t required to have it, why should we get it?”