If your restaurant serves alcohol, then make sure the insurance policy you get comes with liquor liability. Numerous companies offer restaurant insurance in Tennessee, so it is definitely easy to get. You just need to ensure that you are covered in the event something bad happens as a result of someone getting overly intoxicated.
Make Sure Your Bartenders Are Skilled and Experienced
One of the things all your bartenders should be skilled in is determining when a customer has had too much to drink. Bartenders should also play a role in ensuring that someone who is far too drunk is not allowed to drive. Make sure everyone you employ is fully certified so that you can trust them with these responsibilities.
Always Check Every Patron
Whether you have your bartenders check I.D. or if there is someone at the door checking, you need to make sure everyone you serve alcohol to is over the age of 21. You may face a hefty lawsuit if it is determined that your establishment served minors.
These actions will prevent any problems, and if all goes well, you may never need to rely on your liquor liability insurance. However, it is always preferable to have restaurant insurance in Tennessee just in case, so do not get caught without it.