In 2016, the National Center for Statistics and Analysis stated that 10,497 people died in alcohol-impaired driving crashes, accounting for 28% of all traffic-related deaths in the United States. As a party host, these numbers should be the last thing on your mind. However, the risk of an accident happening involving a guest who was intoxicated is always present. If you plan on serving alcohol at your next event, you need to protect yourself with host liquor liability insurance.

Today, we break down three things you should look for in a host liquor liability insurance policy.

General Liability

This type of insurance coverage may cover you for a variety of claims you are legally liable to pay for, such as:

  • Bodily injury
  • Property damage
  • Personal injury

Let’s say an intoxicated guest leaves your event and breaks their ankle on an extension cord. Even in a seemingly innocent accident, a lawsuit could be brought against the event planner due to serving alcohol to them and failing to safeguard the event. Without host liquor liability insurance, you could be paying for your legal bills and damages out of pocket.

Damages to Premises Rented to You

If you rent a building for an event, damage to premises rented coverage is important to have in your host liquor liability insurance policy. For example, say you rent out a building for a bridal shower and some candlesticks you’re using cause a fire on the premises. You could be paying for all that damage out of pocket. However, with host liquor liability insurance, you can have peace of mind knowing that you are covered. In some cases, insurance will pay for the entire amount up to the limits of your policy.

Medical Expense Coverage

If your guest injures themselves at your event and does not file a lawsuit against you, they could still receive compensation for medical bills. With host liquor liability insurance from us, we can cover you up to $5,000 to help cover accidents that may happen, regardless of fault, and help you reduce the chances of a lawsuit.

Purchase Host Liquor Liability Insurance Today!

While event planners, like yourself, hope for every event to run smoothly, there will be times when things don’t go as planned and you need the right insurance protection. Host liquor liability insurance coverage is designed for people who do not sell, manufacture or distribute liquor for business purposes. If you plan on serving alcoholic beverages to your guests, the best thing you can do to safeguard yourself is by purchasing host liquor liability insurance.

Are you covering your next event with host liquor liability insurance? Let us know in the comments!

Host Liquor Liability Insurance