South Carolina Lawmakers Address Liquor Liability Insurance Crisis
COLUMBIA, S.C. (FOX Carolina) – South Carolina lawmakers have approved vital reforms aimed at tackling soaring liquor liability insurance costs, which had threatened many businesses with closure. The newly passed measure revises the contentious “joint and several” liability rule, previously holding businesses fully accountable for damages linked to alcohol-related incidents. Under the new law, establishments must now be at least 50 percent responsible for any damages.
Senator Jason Elliot praised the change, highlighting that businesses will now avoid being liable for the entirety of damages when minimally at fault. Although businesses must still maintain million-dollar insurance policies, they can benefit from reduced costs by implementing harm-reduction strategies, such as closing by midnight, using forensic ID scanners, mandatory server training, and increasing food sales.
Chris Smith from the SC Bar and Tavern Association expressed optimism, noting these adjustments could significantly lower insurance caps for bars and taverns. Additionally, the law enables juries to assign financial responsibility to drunk drivers involved in alcohol-related tragedies. The Bar and Tavern Association remains committed to further reforms, advocating for harsher penalties against problematic establishments.
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