Alcohol increases claims risk dramatically.
If someone drinks too much and causes injury — even after leaving your event — you can be liable. Yes, even hours later.
What Liquor Liability Covers
Injuries, fights, property damage, DUI-related claims, and lawsuits.
Who Needs It?
Weddings, festivals, fundraisers, corporate parties, beer tents, and rodeos. Basically: if alcohol exists → you need coverage.
Host Liquor vs. Liquor Liability
Host Liquor — Included in some general liability policies. Covers serving alcohol for free (not selling).
Liquor Liability — Separate coverage. Required when selling alcohol or when higher limits are needed.
Common Myths
'We're not selling alcohol' — Doesn't matter. Serving creates risk. 'The bartender has insurance' — Their coverage doesn't protect YOU. 'Nothing will happen' — Famous last words.
Venue Requirements
Alcohol requirements vary. Review who serves or sells alcohol, the venue contract, applicable law, and the carrier's available terms before selecting limits or coverage.
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