Dram Shop Laws, Liquor Liability, and the Insurance Crisis Facing Bars and Restaurants

Across the country, bars and restaurants are shutting their doors. Not because customers stopped coming, but because insurance became unaffordable. In their December 2025 issue, Leader’s Edge magazine interviewed Dr. Robert Hartwig, Clinical Associate Professor of Finance, Risk Management & Insurance at the Darla Moore School of Business at the University of South Carolina. Dr. […]