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

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, short term venue liability, venue alcohol liability, event liability, one day event liability, short term venue liability insurance, one day liquor liability insurance, insurance for a holiday party, holiday liability insurance, online holiday insurance

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: day insurance, short term venue liability, venue alcohol liability, online picnic insurance, insurance for a picnic, event liability, one day event liability, short term venue liability insurance, picnic liability insurance, one day liquor liability insurance