Host Liquor Liability vs. Liquor Liability

Host Liquor Liability vs. Liquor Liability Host liquor liability insurance does not cover companies that manufacture, sell, or serve alcohol as part of their business operations, such as bars, breweries, and restaurants. Instead, businesses that sell or serve alcohol for profit would need to purchase liquor liability insurance to gain protection from lawsuits related to inebriated patrons who cause bodily harm or damage to others. What is social host liquor liability? Social host liquor liability refers to the liability individuals assume as a host if they hold a social gathering where alcohol is provided, but guests aren't paying for it. It covers individuals, not businesses, and is typically included in homeowner's and renter's insurance policies. If someone throws a party and a guest causes property damage or injuries to a third party after becoming intoxicated, social host liquor liability can pay for the host's legal expenses if a lawsuit is filed. Hosts can be liable for more than third-party liability claims The coverage provided by host liquor liability insurance doesn't mean business owners are totally off the hook if a guest drinks too much and causes property damage or harm to another person. Business owners that act as a social host could face penalties, including fines and jail time, if they are found to have violated local or state liquor laws. That could include serving alcohol to minors, or to adults who are visibly drunk. Since the laws vary by region, business owners should check their local dram shop laws or talk to their insurance agent to ensure they are in compliance when hosting an event. #BeNewinsurance #InsurTech #inclusiveinsurance #insurance #reinsurance #takaful #climatechange