When alcohol is served, your organization needs proper insurance to protect against the risks and liability associated with alcohol. Depending on the type of event, whether your Lodge is hosting or renting its buildings, you will need different insurance coverage.
Read on to understand the differences between liquor liability insurance, host liquor liability insurance and special event coverage.
Understanding Liquor Liability insurance
Liquor liability insurance is coverage for organizations that sell or serve alcohol. These policies provide coverage for legal expenses, which include things like defense costs, settlements, judgments or damages when an intoxicated person sustains an injury or causes property damage.
Common liquor liability claims can include:
- Serving alcohol to a minor
- Overserving a patron
- Bodily injury, death or property damage caused by a patron that was served at your organization