What type of coverage can Lefty's Bar purchase for liability arising out of selling and serving alcoholic beverages?

Liquor liability coverage is specifically designed to address the unique risks that come with serving and selling alcoholic beverages. This type of insurance protects businesses like Lefty's Bar from claims arising due to incidents that occur as a result of serving alcohol. This includes legal fees, damages, and any settlements that might arise from injuries or damages caused by intoxicated patrons. Such coverage is vital for establishments that serve alcohol, as standard general liability insurance often excludes these types of claims.

In contrast, general liability coverage provides broader protection but may not cover the specific liabilities associated with alcohol service. Property insurance focuses on protecting the physical assets of a business, such as buildings and equipment, while professional liability coverage is geared towards professionals who provide services, covering claims related to negligence or malpractice, which does not apply to the sale or serving of alcohol. Therefore, liquor liability coverage is the most appropriate choice for Lefty's Bar to safeguard against these specific risks.