BYOB in Restaurant

[blue_wynd]

Does a normal BOP covers byob and incidents arising out of it if the restaurant allows it? This restaurant in question doesn't have alcohol sales. What about a CPP or CGL?

 

[Ocho]

Does a normal BOP covers byob and incidents arising out of it if the restaurant allows it? This restaurant in question doesn't have alcohol sales. What about a CPP or CGL?

Bump. Anybody have any experience with BYOB restaurants?

 

[Indiana_Adam]

That is interesting and sounds like a dumpster fire waiting to happen. At least if the restaurant is serving, it can make the decision to cut someone off.

The BOP isn't going to cover anything related the alcohol. The restaurant must have a liquor Liability policy or risks some HUGE gaps in insurance. Even with the liquor liability, it looks like it may need an additional amendment expanding it to include BYOB.

BYOB: liquor liability coverage complications | PropertyCasualty360

This article should be helpful.

 

[nyc2phi]

That is interesting and sounds like a dumpster fire waiting to happen. At least if the restaurant is serving, it can make the decision to cut someone off. The BOP isn't going to cover anything related the alcohol. The restaurant must have a liquor Liability policy or risks some HUGE gaps in insurance. Even with the liquor liability, it looks like it may need an additional amendment expanding it to include BYOB. BYOB: liquor liability coverage complications | PropertyCasualty360 This article should be helpful.

Not necessarily true...

Most BOP's have an included endorsement called "host liquor liability" this is a bit of a gray area as it pertains to the alcohol not being served. BYOB restaurant gives you a glass, you bring the wine, host liquor you are covered. When you get into these places that take you liquor and start mixing you drinks i.e. A Mexican restaurant supplying margarita mix and putting it all together my thoughts are you need true liquor liability in this case.

Another gray area is how do you endorse liquor liability onto a policy for a BYOB joint? It's usually based off sales and BYOB places don't have liquor sales..

 

[Indiana_Adam]

Gray area is not a safe place to be during a large liability claim. The referenced article recommends liquor liability. I was also wondering how you would rate that without 0 alcohol sales. Ill ask a few under writers tomorrow as Im pretty curious.

 

[dean8287]

Not necessarily true... Most BOP's have an included endorsement called "host liquor liability" this is a bit of a gray area as it pertains to the alcohol not being served. BYOB restaurant gives you a glass, you bring the wine, host liquor you are covered. When you get into these places that take you liquor and start mixing you drinks i.e. A Mexican restaurant supplying margarita mix and putting it all together my thoughts are you need true liquor liability in this case. Another gray area is how do you endorse liquor liability onto a policy for a BYOB joint? It's usually based off sales and BYOB places don't have liquor sales..

Erie has a BYOB endorsement that can be added to the flex. It is a flat fee of $250 or close to that. It is only about a year old. I have used it a few times. I am in PA but I don't know if they offer it in NY. Hartford and Erie are the only two carriers that I know of that offer this.