Your actions determine the extent of your liability when alcohol is served on your property. Here are some things to consider.
The liability that comes with liquor being served to guests is outside the scope of most B&B insurance policies. However, coverage can be added in many cases.
Are you providing glasses and a corkscrew to your guests? If so, this is treated as host liquor liability, much like a BYOB establishment. In this case an insurer will most likely be able to provide coverage in the policy or with an endorsement to the policy with a minimal charge.
Are you opening a bottle and serving alcohol? We strongly suggest that you do not do this, as this presents a true liquor liability exposure that is not covered by B&B policies. We suggest instead that you hire a certified bartender, often available from the liquor supplier. Be sure to get a certificate of insurance from the bartender, a hold-harmless contract and ask to be named as an additional insured on the policy.
So before you host your next event, or even your afternoon wine and cheese , talk to your agent about your need for liquor liability insurance and your various insurance options. There may be other coverage you need for the event as well, and your agent can help with risk management that may minimize your exposure to loss and protect you and your business. more information. Contact us with any questions.