Host Liquor Liability Insurance

Reliable coverage and dependable service

If your holiday party includes alcohol, make sure liquor liability is part of your plans.

In the midst of the festive and hectic holiday atmosphere, it is easy to forget the serious responsibility involved with hosting a party at your home or business.

In many states, individuals and employers hosting holiday parties can be held liable if a guest or third party is injured in an accident related to alcohol consumption at your event.

Hosts have been held responsible for medical bills, vehicle repair costs, lost time from work, and even wrongful death. If you plan to host a holiday party this year, take the time to review your homeowners, renter's or comprehensive general liability (CGL) insurance policy to ensure that you have adequate liability coverage if sued and found liable for the actions of a guest who drank at your home or business.

While all holiday partygoers and hosts alike should be responsible and know their limits, consumers need to acknowledge that most risks cannot be eliminated entirely. But planning ahead and learning about what's involved in hosting a reception is the best defense.

How to protect yourself and your guests:
If you plan on serving alcohol at a holiday party, following are some tips to promote safe alcohol consumption and reduce your social host liability exposure:

Liability Coverage Tips:

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