Hosting a party should be entertaining for both you and your guests. But what happens when things go sour because of a liability issue? No one wants to believe something could happen until it does happen. Because of the nature of alcohol, it presents an immense liability risk to anyone providing or serving it.
For you to understand fully what you’re getting yourself into when you’re hosting your next event with alcohol, we’re going to go over the two types of insurance crucial to keeping you out of the insurance company’s hands should something go awry.
HOST LIQUOR LIABILITY versus LIQUOR LIABILITY
First, let’s start with the two types of insurance: Host Liquor Liability and Liquor Liability.
HOST LIQUOR LIABILITY is basically an insurance policy that will cover the party providing the alcohol as long as that party is not engaged in the activity of serving, manufacturing, distributing, selling or providing the alcohol as a business enterprise.
In short, if you’re the host of the party, and you’re providing the alcohol to your guests at no charge, a Host Liquor Liability policy would cover you for providing the alcohol. This insurance policy would normally cover you for bodily harm or property damages caused by an intoxicated person at your event. This policy would not protect you if the person is underage.
Essentially, if you are providing alcohol for an event, especially one where a bartender will not be present to control the alcohol consumption, you run a high risk of being held liable for anything that occurs as a result of alcohol consumption.
You as the host, who provided the alcohol, have an obligation to your guests and to the public at large to reduce risky behavior by serving and furnishing alcohol in a safe and responsible manner.
As a bartending company, we have decided it’s in the best interest of our clients and our staff to have LIQUOR LIABILITY INSURANCE.This type of insurance is reserved solely for those who are in the business of selling, furnishing, manufacturing, and serving alcoholic beverages. Because we are in the business of directly contributing to someone’s state of intoxication, we carry Liquor Liability Insurance and also require all of our bartenders to be certified as servers.
Now you might be asking, why does this matter? I’m just hosting a party! It can’t be this difficult!
It’s insurance – it’s always this difficult!
While you may be hosting a party at your home, chances are you aren’t monitoring the alcohol consumption of your guests. Same goes for if you’re hosting an event at a venue, such as a corporate celebration or a wedding. Many venues now require bartenders to carry Liquor Liability Insurance and may also require you to carry Host Liquor Liability.
Who is going to make sure Uncle Larry doesn’t drink the full bottle of Jim Beam that gets him all riled up and ready to fight even the walls that “look” at him the wrong way? What about your underage cousins you KNOW would love to get their hands on that bottle of Pinnacle Whipped for some fun?
It’s crucial to understand the liability aspect surrounding alcohol so you can make the best decision for your event! If you want to have a great time at the celebration and leave the worrying to someone else, call Good Spirits Bartending.
For anyone who contacts us between February 1st and March 1st, 2016, we will give you $50 off your bar service if you book with us before March 15th! Just mention this blog to claim this offer!