Craziest Claim of the Month – “Bad Luck Booze”


Accidents can happen anywhere, anytime, and to anyone. As the owner of a liquor store, one could expect a reasonable amount of liability to come with that territory. However, in this month’s craziest claim, one business owner was left wondering what in the world had happened as his livelihood (aka liquor) started flowing out the door.

It started out as a normal day. All was business as usual until a long row of outside shelves tumbled over for no apparent reason. Bottles were broken, liquor was rising, and a small river of booze was flowing out the door. Bewildered, the owner tried to figure out what happened as he attempted to stanch the rising tide of alcohol. Was it an earthquake, was it terrorism, was it a freak accident?

Turns out, a customer’s vehicle had jumped the small curb by the side of the building and the bumper grazed the wall causing the shelves against the wall to topple…and subsequently thousands of dollars’ worth of damage and lost liquor.

Insurance Claims Involved:

  • Destruction of Inventory = Property loss
  • Lost sales = Business Income loss
  • Cleanup & Restoration = Property loss

Disclaimer: All data, information, and opinions provided on this article, newsletter, or blog is for informational and educational purposes only. While every caution has been taken to provide readers with the most accurate information and honest analysis, please use individual discretion before making any decisions based on the information in this article, newsletter, or blog. Georgetown Insurance Service, Inc. is not responsible if its readers happen to experience loss, injury, or damage resulting from its display or use. All information is provided on an as-is basis. This article, newsletter, or blog does not represent the thoughts, intentions, plans, or strategies of any specific Insurance Carrier, Georgetown Insurance Service, Inc. partner or affiliate.
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