Having a party this Holiday Season? It’s not just about style…

“Tis’ the season to be merry”

But when it comes to serving to alcohol, “Tis’ the season to be wary”

Whether you are having friends over, hosting an office party or inviting clients to share some holiday cheer, you are potentially opening yourself up to a lawsuit.

Whenever someone you have served alcohol to is involved in a car accident, or sustains injury due to a fall, the potential exists for you or your company being named in a subsequent legal action.

Even if your actions were not negligent, defending such an action can easily cost thousands of dollars.

It is important to check with your insurance broker to make sure your liability coverage extends to claims arising out of hosting a function where alcohol is served.  If you do not have coverage, you should inquire regarding purchasing temporary coverage, often known as “special event liability” coverage.

Questions to Ask Yourself

  •  Some insurers exclude events and some do not,  therefore it’s a good idea to contact your broker if you are planning on a Holiday Staff Party and disclose pertinent details like the events date,  number of guests, if it is catered, etc. Some insurers may want to charge additional premium to host an event that extends to staff, customers and suppliers.
  • Will the event have a bartender with Smart Serve Responsible Alcohol Beverage Service Training   present?
  • Will taxi service be available for guests?
  • Will I need to purchase an additional special event liability insurance policy?
  • Does it make more sense to transfer the risk by holding the event at a  licensed venue?

Have more questions? Call us at 1.877.422.8467 and one of our brokers will be happy to help you.