- 171
I write most of my wedding insurance through Philadelphia Insurance. You most definitely need wedding insurance.
Host Liquor on Homeowners - Just Curious
- Thread starter txagt39
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- homeowners
HighRisk
New Member
Sorry this is my first day on this site, but I would suggest that some of you try reading policies.
If you read a definition of "residence premise" in a homeowners policy, you will find that it includes "any part of a premise not owned by an insured which any insured may rent for non-busioness purposes such as banquet halls and storage facilities." There are no exclusions that corrupt this coverage for the purpose of your discussion.
Also, there is no exclusion which would apply to to the otherwise lawful serving of liquor to your guests at home or at banquest facility (don't forget about the "non-business" caveat--good place to make a mistake)
You need to be mindful of state liquor statutes that might make coverage against public policy in some jurisdictions--not aware of any but something to slow down on.
Futher, if you read a homeowners policy you will find that it will "pay damages ...arising out of the......use.......of a motor vehicle that is not owned or operated or rented to any insured"
I love it when uninformed agents tell my customers that "I've never heard of that..." or "My underwriter said"
Your underwrite has no idea what the policies say or how courts are interpreting them. That is your job. If you dont learn your job, someone who did, will make you pay for it.
I wrote an indemnity program for a city's municipal center that is rented for wedding receptions etc.... They are always full because don't make someone pay $200 for an event policy and many others, who are given poor advice do. I have never had any carrier, or municpal attorney contradict my views on this.
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Stop talking to uninformed people & just read the damn policy & be aware of tort laws in your state. There is not a host liquor exclusion. There is no need for an exclusion for the sale of liquor, as the bunsienss activity exclusion would encompass that.
In most states there is no "host liqour" tort. This is a phantom concern and a phantom coverage. This may not be true in all states, but I have been doing this for 30 years. Cite a court case for me where damages were awarded for this. (other than a criminal case for servicng to a minor)
If you read a definition of "residence premise" in a homeowners policy, you will find that it includes "any part of a premise not owned by an insured which any insured may rent for non-busioness purposes such as banquet halls and storage facilities." There are no exclusions that corrupt this coverage for the purpose of your discussion.
Also, there is no exclusion which would apply to to the otherwise lawful serving of liquor to your guests at home or at banquest facility (don't forget about the "non-business" caveat--good place to make a mistake)
You need to be mindful of state liquor statutes that might make coverage against public policy in some jurisdictions--not aware of any but something to slow down on.
Futher, if you read a homeowners policy you will find that it will "pay damages ...arising out of the......use.......of a motor vehicle that is not owned or operated or rented to any insured"
I love it when uninformed agents tell my customers that "I've never heard of that..." or "My underwriter said"
Your underwrite has no idea what the policies say or how courts are interpreting them. That is your job. If you dont learn your job, someone who did, will make you pay for it.
I wrote an indemnity program for a city's municipal center that is rented for wedding receptions etc.... They are always full because don't make someone pay $200 for an event policy and many others, who are given poor advice do. I have never had any carrier, or municpal attorney contradict my views on this.
- - - - - - - - - - - - - - - - - -
Stop talking to uninformed people & just read the damn policy & be aware of tort laws in your state. There is not a host liquor exclusion. There is no need for an exclusion for the sale of liquor, as the bunsienss activity exclusion would encompass that.
In most states there is no "host liqour" tort. This is a phantom concern and a phantom coverage. This may not be true in all states, but I have been doing this for 30 years. Cite a court case for me where damages were awarded for this. (other than a criminal case for servicng to a minor)
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monicawats
New Member
- 11
Host liquor liability insurance coverage is required to host events where liquor is sold?
TexasSteve
New Member
- 9
Wow... I'm also pretty new to this, and have never considered this scenario!
No. Its required where liquor is consumed, whether its sold or open bar. Of course, if its sold, you better have a license as well.
Dan
Where is it excluded on an HO-3? I believe it is covered including at a banquet hall. I don't know of any carriers that will add an additional insured though. Is the banquet hall serving the liquor or using a caterer? If using a caterer they should provide proof of coverage and an endorsement naming the wedding party and the hall as AI.
G
Guest
Guest
I've read the policies. No exclusion found for host liquor liability at residence or other premises.
If you trust an underwriter to give you accurate coverage information you should increase your E&O limit and decrease your deductible immediately.
(PS - Dogs Rule)
G
Guest
Guest
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