South Carolina bars struggle as liquor liability insurance costs soar [Video]

COLUMBIA, S.C. — South Carolina lawmakers are debating ways to address rising liquor liability insurance rates, which bars and restaurants say are becoming unaffordable.

Liquor liability insurance protects businesses that serve alcohol from legal and financial responsibility if an intoxicated customer causes harm or damage. Several bills in the House and Senate aim to make these policies more affordable as establishments report increasing rates and a shrinking number of providers.

A 2017 law requires businesses that serve alcohol past 5 p.m. to carry a $1 million liquor liability insurance policy. It can cover potential claims, such as medical bills or damages, if a customer leaves intoxicated and causes an accident. Some business owners say its rising rates and limited availability of coverage are forcing them to scale back operations.

Marty …