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.


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Topics: liquor liability for venues, one day liquor liability insurance, host liquor liability, liquor licence

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.

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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.
  • 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.

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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.



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Topics: Special Event Insurance, commercial theatre general liability coverage, liquor liability for venues, online short term venue insurance, theatre insurance cost, business interruption coverage, online cyber coverage, short term liability insurance, film house insurance, movie house insurance policy, commercial theatre property coverage, short term venue insurance