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

Understanding Host […]

It’s hard to make an accurate prediction of the outcome when a liability claim first comes to your attention. Some incidents resolve simply, while others do not. However, for organizations that delay the reporting of a claim to their insurer, the outcome is almost always worse than it otherwise could have been with prompt reporting.

The timing of a liability claim resulting from an alleged mistake, accident or injury is often inconvenient. But the importance of prompt claims reporting cannot be overstated. The longer you wait, the more difficult, costly and stressful it may be to resolve. Here is how early claim reporting can help minimize your exposure.

Why Every Day Counts When You Have a Claim

When an incident that could result in a legal liability claim happens, every day counts. […]

One of the things that can make shopping for insurance for your Lodge so hard is not knowing what to expect. You hope that whatever company you choose will be easy to work with and offer the tailored coverage that you need, but it’s not always guaranteed.

At Lockton Affinity, we aim to provide you with best-in-class service for insurance solutions that meet the requirements of your organization. Helping you understand the inner workings of the process of purchasing insurance from Lockton Affinity is a part of that promise of service.

In this blog, we’ll walk you through the insurance buying process so you know what to expect. While purchasing insurance from Lockton Affinity provides customized coverage unique to your  Lodge, all insurance purchases take a similar journey, moving from shopping […]