Both host liquor liability and liquor legal liability protect your business in the event an intoxicated person causes bodily injury or property damage as a result of being served liquor by your business. However, the circumstances under which the liquor was served will determine which coverage in needed.
- Host Liquor : Provides protection for businesses against bodily injury or property damage suits brought by parties injured as a result of an intoxicated guest who was served alcohol at an event you hosted. Host liquor liability is a coverage that is included under the commercial general liability policy for those businesses not ‘in the business of' serving, manufacturing, distributing, selling, serving or providing alcohol.
- Liquor Legal Liability : Provides coverage for bodily injury or property damage for which you may become legally liable as a result of contributing to a person's intoxication. This coverage is provided by a separate policy and will only cover insureds ‘in the business of' manufacturing, selling, distributing, serving alcoholic beverages for charge or no charge if a license is required for the activity. This exposure is not covered under the general liability policy.