Both liquor liability insurance and host liquor can help pay for costs to the company with lawsuits associated with alcohol, but your coverage depends on the operation. You might ask what policy is right for you. We answered some questions which are frequently asked to help you decide which kind of insurance works for you.

What Is Host Liquor Liability Insurance?

Many places have legislation that holds company owners liable for damage caused by employees or guests. Businesses that do not serve, sell, or produce alcohol, but allow alcohol to be consumed at the premises or in the event they host can protect their business from host liquor lawsuits.

Coverage Area

The liquor liability coverage for hosts is optional short-term insurance for people who host private events such as weddings, birthdays, business events and others. You might be surprised to see that if you provide your guests with alcohol, you can be held responsible for property damage or physical injury caused by your guests.

The Perfect Time to Go For It

We recommend you buy your host liquor liability insurance well before your event. If your host liquor insurance policy is delayed to be purchased until the last minute, you can purchase and download documents from our trusted partner, but it’s best to be sure your coverage has started beforehand.

What Is Liquor Liability Insurance?

Companies producing, serving or selling alcohol must comply with dram shop legislation that holds firms legally accountable, following too much alcohol, for the actions of customers that damage a third party. At the state level, dram shop laws are established. Today, 43 states have certain kinds of dram law.

Coverage Area

Liquor insurance provides an annual or a short-term policy to professionals employed who serve alcohol as a company such as caterers, chefs, food suppliers, and bartenders.

When to Buy It

You can purchase liquor liability insurance policies from Carpenter Insurance and get your policy documents quickly. We recommend you examine the requirements of your state and find out whether dram shop legislation applies to you before alcohol is served by employees. However, you may still be prosecuted if your alcohol services result in bodily injury or damage to the property, even if your state does not have dram-shop legislation. Protect yourself and not expose your company.

Difference between the Two

The main difference between the liquor host insurance and the liquor liability insurance is that the purchaser of the standard liquor liability insurance is a company that serves alcohol. This would require complete liquor liability insurance in a bar or pub or restaurant, while someone who would like to cover their basics only at a one time gala or party could get a host liquor liability policy for the event.

Contact us at Carpenter Insurance and get the guidance to invest in the right policy for you.