From running the business, handling the purchasing and managing staff to attracting customers, a bar's liability for an intoxicated patron isn't always the first thing an owner considers. However, being too busy to consider what liability risks are associated with operating a restaurant or tavern will expose owners to risk or even financial ruin.

Assessing exposure and obtaining the appropriate insurance coverage is as essential to a successful bar business as, well, the beer on tap.

Restaurant, bar, tavern and lounge owners are also known as "dram shop owners."

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