Host Liquor Liability Insurance – Consider it for Your Wedding

Posted by Grant Patten on May 28, 2019 10:04:56 AM

Host Liquor Liability Insurance

Host Liquor Liability Insurance

If you’re planning to have alcohol served at your wedding, then it is important to consider adding host liquor liability insurance onto your event insurance policy. Your guests will hopefully behave like responsible adults at all times, but in the event that alcohol fuels a fight where someone gets injured or something similarly troublesome, host liquor liability insurance will cover you.

In this post, we’ll provide an all-encompassing overview of host liquor liability insurance, including an explanation of why it should be considered for weddings and some helpful tips on how to discourage overdrinking at weddings.

What is Host Liquor Liability Insurance?

Guests will generally expect liquor to be available at weddings and as soon as you become the “host”, you suddenly have a burden of responsibility to ensure that nothing bad happens as a result of being connected to the supply of that alcohol.

A host liquor liability insurance policy will protect you against losses or damages in case of claims arising from any alcohol-related incidents that might occur at an event such as a wedding. Such “incidents” might include bodily injury or property damage caused by an intoxicated guest who was served liquor at a wedding.

Liquor Liability Terms to Know

What is the difference between Primary liquor liability coverage and Host liquor liability coverage? The main difference between these coverages is whether or not the individual or company buying the insurance engages in the serving of alcohol as a business.

Example: a bar, pub or restaurant would require primary liquor liability insurance, whereas a couple who only wanted to “cover their bases” during a wedding could get host liquor liability insurance.

What does it mean to be “over-served”? This refers to when a customer is served too much alcohol, placing the liability on the bartender. In the US, there is the “Dram Shop Act,” which makes a business which sells alcohol or a host who serves liquor to a drinker who is obviously already intoxicated, strictly liable to anyone injured by the drunken guest. The best protection against a situation like this occurring at your wedding (aside from doing a dry wedding) is to hire an experienced bartender; they generally know when it is time to refuse someone more drinks.

Liquor Laws & Licenses

A liquor license (or licence) is any license, permit, registration, qualification or other approval required to sell, dispense or distribute alcoholic beverages.

Smart Serve Ontario logoIn Canada, multiple provinces require that events (including weddings) that will be serving alcohol have the servers trained under a server training program. This is to ensure that servers are prepared to make informed choices when they sell, serve or offer alcohol. Regulations vary by province. In Ontario for example, there is Smart Serve and in BC, there is Serving it Right.

In the US, liquor licenses are issued separately by each individual state. In New York for example, there is the New York State Liquor Authority, which offers 30 different permits that can be applied for online. In California, there is the Department of Alcoholic Beverage Control, where alcoholic beverage licenses can be applied for and obtained.

Examples of Alcohol-Fueled Wedding Incidents

More and more, the providers of alcohol are being hit with lawsuits due to alcohol-related accidents at weddings. The venue is usually charged, but the couples holding the wedding are often also named. Examples of alcohol-fueled wedding incidents (where lawsuits may or may not have been involved) include:

In 2018, Daily Mail reported on a wedding in Ludhiana in Punjab, India, where alcohol was being served for free. The wedding day ended in a chaotic brawl (much of it caught on video), with many drunken guests throwing chairs and plates at each other.

In 2014, ABC reported on a wedding in Hobart, Tasmania that ended with the bride in the hospital and the groom and best man under arrest because of an alcohol-fueled brawl at their wedding reception. It took six police units to bring the situation under control.

In 2012, The Telegraph reported that police were called to English soccer player Danny Guthrie’s wedding after a huge brawl broke out on the dance floor. The fight erupted between the groom’s family and the bride’s side as the proceedings neared an end.

None of the above examples indicate that the married couple had a host liquor liability insurance policy in place, but it certainly would have been advisable to have one, in all cases.

How to Discourage Overdrinking at a Wedding

Assuming you’ve ruled out the option of doing a dry wedding (a wedding without any alcohol), then consider these tips to reduce your chances of an alcohol-fueled wedding disaster:

  • A cash bar, so guests have to pay at least a small amount
  • Limited drink tickets, perhaps 2 or 3 per guest
  • Wine- and beer-only bar (no hard liquor shots)
  • Hire an experienced bartender (or two)
  • Serve a “midnight snack;” the food will help absorb alcohol
  • Give guests activities rather than a bar alone, e.g., board games, a photo booth, a scavenger hunt, special dances
  • Remove drunk driving as a possibility by providing a shuttle service from the wedding venue back to the hotel where guests are staying

How to Buy Host Liquor Liability Insurance

Get started by completing the Event Insurance quote form at Front Row, indicating that “Yes, alcohol will be served at the event.” From there, we’ll need to have a third party (usually the wedding venue itself) have their own primary liquor liability policy. This third party must then add you on as an additional insured. This costs an additional premium but is inexpensive and is certainly well worth the effort for the added peace of mind that it brings if you are indeed hosting a wedding where alcohol is being served.

RELATED LINKS:

Wedding Insurance 101 & How to Protect Your Wedding Investments

Wedding Insurance: what is it?

4 Reasons to Buy Online Insurance for Weddings

Wedding Insurance Cost: Less than You Think

Renting out your church, mosque or other place of worship?

Keep your Backyard Wedding on a Budget

Planning a Wedding at Home?

Wedding Ring Insurance

Disaster on Your Wedding Day?

Planning a Bridal Shower?

Baby Shower Insurance

Host Liquor Liability Insurance

How to Prevent Wedding Gift Theft

6 Tips to Protect Wedding Flowers

How to Protect Your Wedding Dress

How to Protect Your Wedding Cake

How to Prevent Wedding Crashers

Benefits of Hiring a Wedding Planner

CITATIONS:

Topics: host liquor liability

Holiday Party Insurance: Do You Need It?

Posted by David Hamilton on Jul 30, 2018 11:49:21 AM

Holiday party event insurance

Throwing a party in your office or at your home or maybe you are renting a venue?

Well, you’re going to need one day special event insurance.

Holiday party

WHAT IS EVENT INSURANCE? 

Short term event insurance protects you from lawsuits caused by damage to the location you are renting or lawsuits that arise if your guests are injured. Your rented venue is likely going to ask for evidence of one day liability event insurance so the venue owners are not drawn into your lawsuit.

What would I need one day event insurance for?

  • If you are hosting a Canada Day party in a municipal park, or on a municipal beach or on crown land you may need a permit that requires you to show evidence of one day event liability. Often the permit will specify the short term venue liability amount required.
  • Your guests may accidentally damage the cabana or barbecue shelter you have rented. Does the owner require you to provide evidence of short term venue liability insurance? It is suggested that you check your rental contract.
  • Are you hosting the holiday party around Christmas at your house? Check with your homeowners broker to see if you are covered. Parties over a certain size are most likely not covered especially if you serve alcohol.
  • Have you rented furniture or the sound system or a marquee for your annual summer bash? Are you responsible to insure the equipment you have rented? Take time to read the fine print in those rental contracts.
  • Hosting a company party during the holidays is a great time to bond with coworkers. Parties are fun until your staff are injured. What if your employee is forced to sue your company? Will your business office insurance cover a holiday party? Holiday party liability insurance will cover you if you are sued by providing a free lawyer to defend you and paying the judgement costs awarded to your injured guest.
  • If you are serving alcohol, try to hire a caterer to serve the drinks or purchase one day liquor liability insurance.
  • What happens if your marquee blows away and injures other people in the park? Lawsuits from a cartwheeling marquee would be covered with day insurance.

Front Row Insurance Brokers offers online holiday insurance with no need to talk to a broker. Policies start at $130 and certificates proving insurance coverage for your rented venue are provided immediately at no cost.

A quote is also free - a fast quote is available any time of the day or night.

Get a Free Online Quote Now

If you will be serving alcohol at your holiday party make sure that you request venue alcohol liability. Remember, as a host you are responsible for the safety of any guests. You could be held legally responsible if people consume alcohol during your holiday party and harm themselves or someone else. Consider how your guests will be traveling home.

Purchase peace of mind in five minutes with no need to talk to a broker by buying online today.

Get a Free Online Quote Now

It’s always good planning to have holiday insurance because you never know when something unexpected may occur. Online holiday insurance will allow you to enjoy your special day.

Related Post: Holiday office party insurance

About: Front Row Insurance Brokers Inc. is an independent insurance broker that provides insurance for the lowest possible cost. Should a claim occur, Front Row ensures that you receive the money you are owed per the insurance policy, as quickly as possible. Front Row has offices in Vancouver, Toronto, Montreal and Halifax and are licensed and registered in all provinces in Canada.

 

RELATED LINKS:

Event Insurance 101 & How to Protect Your Events

Venue Insurance in Canada

Event Planning

Wedding Insurance

Renting Churches, Mosques

Planning a Bridal Shower?

Baby Shower Insurance

Event Cancellation

Conference & Event Insurance

Concert Insurance

Movie Theatres

Wrap Parties

Holiday Office Party Insurance

Anniversary Parties

Birthday Party Insurance

Kid's Birthday Party Insurance

Bar Mitzvah Insurance

Planning a Garden Show?

Picnic Insurance

Topics: event insurance, day insurance, holiday liability insurance, host liquor liability

Insurance for a Picnic: Is it Necessary?

Posted by David Hamilton on Jul 27, 2018 4:14:04 PM

Picnic picture

Picnic event insurance

Hosting a picnic for the day? Do you need event liability?

Consider these risks associated with picnics to help you decide:
  • If you are hosting the picnic in a municipal park, on a municipal beach or on crown land you may need a permit that requires you to show evidence of one day event liability. Often the permit will specify the short term venue liability amount required.
  • Your guests may accidentally damage the cabana or barbeque shelter you have rented. Does the owner require you to provide evidence of short term venue liability insurance? Check your rental contract.
  • Are you hosting the picnic at home in your yard? Check with your homeowners broker to see if you are covered. Parties over a certain size are most likely not covered especially if you serve alcohol.
  • Have you rented furniture or the sound system or a marquee? Are you responsible to insure the equipment you have rented? Time to read the fine print in those rental contracts.
  • Hosting a picnic is a great time to bond with family, friends and coworkers. Picnics are fun until your guests are injured. What if your friend or relative is forced to sue you or your company? Will your homeowners insurance cover you? Probably not. Picnic liability insurance will cover you if you are sued by providing a free lawyer to defend you and paying the judgement costs awarded to your injured guest.
  • If you are serving alcohol, try to hire a caterer to serve the drinks or purchase one day liquor liability insurance.
  • What happens if your marquee blows away and injures other people in the park? Lawsuits from a cartwheeling marquee would be covered with day insurance.

Get a Free Online Quote Now

Front Row Insurance offers online picnic insurance with no need to talk to a broker. Policies start at $130 and certificates proving insurance coverage for your location are provided immediately at no cost. A quote is also free: a fast quote is available any time of the day or night.

If you will be serving alcohol at your picnic, make sure that you request venue alcohol liability. Remember, as a host you are responsible for the safety of any guests. You could be held legally responsible if people consume alcohol during your picnic and harm themselves or someone else. Consider how your guests will be traveling home.

Purchase peace of mind in five minutes with no need to talk to a broker by buying online today.

Get a Free Online Quote Now

It’s always good planning to have picnic insurance because you never know when something unexpected may occur. Online picnic insurance will allow you to enjoy your special day. 

About: Front Row Insurance Brokers Inc. is an independent insurance broker that provides picnic insurance for the lowest possible cost. Should a claim occur, Front Row ensures that you receive the money you are owed per the picnic insurance policy, as quickly as possible. Front Row has offices in Vancouver, Toronto, Montreal and Halifax and are licensed and registered in all provinces in Canada.

 

RELATED LINKS:

Event Insurance 101 & How to Protect Your Events

Venue Insurance in Canada

Event Planning

Wedding Insurance

Renting Churches, Mosques

Planning a Bridal Shower?

Baby Shower Insurance

Event Cancellation

Conference & Event Insurance

Concert Insurance

Movie Theatres

Wrap Parties

Holiday Office Party Insurance

Anniversary Parties

Birthday Party Insurance

Kid's Birthday Party Insurance

Bar Mitzvah Insurance

Planning a Garden Show?

Picnic Insurance

Topics: event insurance, day insurance, online picnic insurance, host liquor liability

Movie Theatre Cinema Insurance: Protection for Owners

Posted by David Hamilton on Jul 26, 2018 2:35:01 PM

Movie theatre insurance

movie theatre CINEMA insurance

Proper movie theatre insurance allows you to transfer the risks of operating a cinema so you can focus on marketing and growing your business.

Do You Need Movie Theatre Insurance?

Yes: Film house insurance allows you to obtain financing at the bank and it helps you avoid bankruptcy caused by accidents in your theater. These are some examples of repairs and lawsuits that can happen:

  • A yoga instructor slips on spilled drink in the dark and blows out a knee and sues for loss of future earnings.
  • Customer gets sick after ordering at the concession and blames food for lost wages.
  • Bathrooms are vandalized causing a flood.
  • Promotional displays are knocked over and the distributor demands payment to replace.
  • The building burns to the ground or is damaged in an earthquake.
  • Digital projector breaks down causing business interruption until a repair or replacement occurs.

What Does Movie Theatre Insurance Cover?

A basic movie house insurance policy should include compensation for damage to your building or furnishings, as well as your responsibility any customers that are injured visiting your property.

Get a Free Online Quote Now

You likely need protection for:

  • Commercial theater property coverage: This covers the building and contents, such as: desktops and other office equipment, cash machines, digital projectors, screens, seating, etc.
  • Business interruption coverage: This protects against lost business income and pays for on-going operating expenses if you need to shut down.
  • Commercial theatre general liability coverage: This pays for bodily injury and property damage due to your negligence (e.g., a guest falls down the stairs from the balcony and sues because the carpet was not glued down on one of the stairs)

At Front Row we can provide you with:

  • Liquor liability for venues : This is necessary if you sell alcoholic beverages at your movie theatre. It protects you in instances of bodily injury and property damage that result from selling or serving alcohol.
  • Online cyber coverage: To protect you if you are hacked and lose customer data. https://hackinsure.frontrowinsurance.com/
  • Short-term Venue Liability Insurance: If you do short term rentals at your theatre, you can direct your tenants to our online short term event insurance and short term venue insurance site where they can purchase special event insurance in 5 minutes and provide you with evidence of one day event insurance so that your theatre is protected.

How Much Does Movie Theatre Insurance Cost?

Depends on your revenue, number of screens, location, construction of your building, age of venue. Contact us for an estimate.

Get a Free Online Quote Now

 

About: Front Row Insurance Brokers Inc. is an independent insurance broker that provides office movie theatre insurance for the lowest possible cost. Should a claim occur, Front Row ensures that movie theatre insurance client receives the money they are owed per the office insurance policy, as quickly as possible. Front Row has offices in Vancouver, Toronto, Montreal and Halifax.

 

RELATED LINKS:

Event Insurance 101 & How to Protect Your Events

Venue Insurance in Canada

Event Planning

Wedding Insurance

Renting Churches, Mosques

Planning a Bridal Shower?

Baby Shower Insurance

Event Cancellation

Conference & Event Insurance

Concert Insurance

Movie Theatres

Wrap Parties

Holiday Office Party Insurance

Anniversary Parties

Birthday Party Insurance

Kid's Birthday Party Insurance

Bar Mitzvah Insurance

Planning a Garden Show?

Picnic Insurance

Topics: Theatre Insurance, event insurance, Cyber Insurance, business interruption coverage, short term liability insurance, film house insurance, movie house insurance policy, short term venue insurance, host liquor liability

Wedding Insurance: What is it?

Posted by David Hamilton on Jul 26, 2018 10:20:34 AM

What is Wedding Insurance?

Rings, blog post

Special event wedding insurance protects a couple if they are sued as a result of a mishap at their wedding that injures a guest or damages the venue. It also covers lost rings, presents, gowns but does not cover the missing best man.

Why Get Wedding Insurance?

Yikes:

  • Alex and Robin spend months planning their summer wedding on a relatives farm. On the big day a forest fire blocked access to the farm. With the right wedding insurance policy, the couple can postpone their wedding and receive the money they lost (less the deductible)—including money for the invitations, wedding cake, food, rented dresses and suits and non-refundable deposits for the band, flowers and other suppliers.
  • The ring is stolen from the truck of the best man’s car. Special event wedding insurance will pay for a replacement.
  • Right before walking down the aisle, the marquee tent is buffeted by wind and comes loose from its moorings and injures guests and destroys the buffet. The wedding insurance policy will provide the wedding couple with a lawyer to defend the resulting lawsuits from friends and relatives and the policy will also pay for the judgement amounts and will pay for the food and destroyed catering tables.

How Much Does Wedding Insurance Cost?

A basic one day wedding insurance policy that covers: attire, presents, deposits and venue liability usually costs anywhere between $130 and $350, depending on the amount of coverage you want.

Get a Free Online Quote Now

Do You Really Need Wedding Insurance?

If you cannot afford the costs associated with a lawsuit then it is smart to transfer the risks of your wedding to an insurance policy. The cost of one day event insurance for a wedding is usually 1% or less than the cost of your wedding budget. Often the venue will not allow you access until you prove you have short term venue liability. The venue may also want to see evidence of venue alcohol liability.

When Should You Get Wedding Insurance?

As soon as you start your wedding checklist. Let's say you put a deposit on your wedding venue months in advance of your wedding date and then it is damaged in a windstorm a month before the big day. With online wedding insurance, you'll receive your deposit back.

What Does Wedding Insurance Cover?

Check our online site to learn all the ways you will be protected.

Wedding Insurance Doesn't Cover...

  • A change of heart.
  • Unused alcohol
  • Photos or video or food that was not as good as you were expecting

Cheap event insurance is available for your wedding online with no need to talk to an insurance broker. Get a free wedding insurance quote in 3 minutes.

Get a Free Online Quote Now

About: Front Row Insurance Brokers Inc. is an independent insurance broker that provides wedding insurance for the lowest possible cost. Should a claim occur, Front Row ensures that business rental insurance client receives the money they are owed per the office insurance policy, as quickly as possible. Front Row has offices in Vancouver, Toronto, Montreal and Halifax.

RELATED LINKS:

Wedding Insurance 101 & How to Protect Your Wedding Investments

Wedding Insurance: what is it?

4 Reasons to Buy Online Insurance for Weddings

Wedding Insurance Cost: Less than You Think

Renting out your church, mosque or other place of worship?

Keep your Backyard Wedding on a Budget

Planning a Wedding at Home?

Wedding Ring Insurance

Disaster on Your Wedding Day?

Planning a Bridal Shower?

Baby Shower Insurance

Host Liquor Liability Insurance

How to Prevent Wedding Gift Theft

6 Tips to Protect Wedding Flowers

How to Protect Your Wedding Dress

How to Protect Your Wedding Cake

How to Prevent Wedding Crashers

Benefits of Hiring a Wedding Planner

Topics: event insurance, wedding insurance, wedding insurance quote, host liquor liability

Anniversary Party: 6 reasons why you should purchase event insurance

Posted by David Hamilton on Jul 25, 2018 10:04:00 AM

anniversary party insurance

ANNIVERSARY party insurance

There are many risks associated with an anniversary party:
  1. Your guests may accidentally damage the venue you have rented. Does your venue require you to provide evidence of insurance? Yikes. Check your rental contract.
  2. Are you hosting the party at home? Check with your homeowners broker to see if you are covered. Parties over a certain size are most likely excluded.
  3. Have you rented furniture or a sound system or a marquee? Are you responsible to insure the equipment you have rented? Check your rental contract.
  4. Your guests could trip on temporary carpeting or slip on a wine spill on the floor and injure themselves. What if your friend or relative is forced to sue you? Awkward? For sure. Will your homeowners insurance cover you? Probably not. Anniversary event liability insurance will protect you if you are sued by providing a free lawyer to defend you and paying the judgement costs awarded to your injured guest if you are found to be liable.
  5. Do you need protection if your guests drive drunk and crash?
  6. What happens if your marquee blows away and injures other people in the park? Lawsuits from a cartwheeling marquee would be covered with Anniversary celebration insurance.

When hosting an anniversary party, most banquet halls and venues such as golf and country clubs will require you to have event insurance in place. Often the hall will tell you in their contract the short term venue liability amount required.

Get a Free Online Quote Now

Anniversary party planning should include one day event insurance.

Cheap event insurance is available online with no need to talk to a broker.

One day insurance is inexpensive. Policies start at $130 and certificates for your anniversary venue to prove you are protected are provided at no cost.

A quote is also free, so a fast quote is available any time of the day or night.

If you will be serving alcohol at your anniversary, make sure that you request venue alcohol liability – available through our online site. Remember, as a host you are responsible for the safety of any guests. You could be held legally responsible if people consume alcohol during your party and harm themselves or someone else. Consider how your guests will be traveling home.

Purchase peace of mind day insurance in about five minutes with no need to talk to a broker by buying online.

Get a Free Online Quote Now

It’s always good planning to have special event insurance for your party because you never know when something unexpected may occur. Anniversary insurance will allow you to fully enjoy your special day. 

About: Front Row Insurance Brokers Inc. is an independent insurance broker that provides anniversary insurance for the lowest possible cost. Should a claim occur, Front Row ensures that you receive the money you are owed per the insurance policy, as quickly as possible. Front Row has offices in Vancouver, Toronto, Montreal and Halifax and are licensed and registered in all provinces in Canada.

 

RELATED LINKS:

Event Insurance 101 & How to Protect Your Events

Venue Insurance in Canada

Event Planning

Wedding Insurance

Renting Churches, Mosques

Planning a Bridal Shower?

Baby Shower Insurance

Event Cancellation

Conference & Event Insurance

Concert Insurance

Movie Theatres

Wrap Parties

Holiday Office Party Insurance

Anniversary Parties

Birthday Party Insurance

Kid's Birthday Party Insurance

Bar Mitzvah Insurance

Planning a Garden Show?

Picnic Insurance

Topics: event insurance, day insurance, online anniversary insurance, host liquor liability

Bobby Smith
Senior Dog Walker
Add a short bio for this team member. Try to keep each of these consistent in scope and format. Most importantly, remember to use your company's voice for this copy. This is the place where folks come to find out who you are as an organization and what kind of people they might be interacting with if they choose to work with you.