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How is host liquor liability insurance covered for an event?
With regards to the Liquor Liability Insurance or "Host" Liquor Liability Insurance:
"Host" is a term commonly used in the insurance industry to explain incidental exposures related to liquor liability that are not excluded on the General Liability coverage form. We use the term "Host" on our certificate of insurance to make sure that we do not confuse anyone into thinking they had full blown liquor liability coverage insurance. If the insured is not in the business of alcohol then liquor liability exclusion is removed therefore covering liquor liability for the insured. ( see coverage form for exact description. pg 2 on CG 00 01 12 04 ) The box for Liquor Liability is not checked on the policy form because it is not included. This coverage is designed for operations that the exclusions for liquor liability do apply to. If the insurance was for a restaurant that served alcohol and the insured purchased the coverage then on their policy the box for "Liquor Liability" would be checked and the applicable coverage forms attached. Colony insuring a wedding event is expecting a truly host liquor liability exposure and would be ready to cover that if suit was brought against you as long as it was a host liquor liability situation. |
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