Liquor Liability

The special events market has evolved since the coronavirus pandemic, as attendees now have new expectations for events, pushing organizers and the insurance industry to do more.

For agents operating in the market, it’s imperative to understand the transformation that has taken place since the coronavirus pandemic, including changes to event formats, event planning, and audience expectations.

Fourth of July celebrations involve grilling, fireworks and outdoor gatherings. But behind the red, white and blue is a spike in risk.

As breweries and wineries go green, agents need to translate sustainability initiatives into clear underwriting conversations and protection strategies.

A carrier added the endorsement to a commercial general liability form and says that the endorsement adds liquor liability to the policy, as it eliminates the liquor liability exclusion.

Does a host liquor liability coverage amendment in a business owners policy respond when the insured pays for a hosted bar at regular events?

Coverage includes finished goods and beer aging in barrels that are valued at selling price.

The rise in boutique alcohol producers, from microbreweries to distilleries and wineries, has presented increased risks and complexities in the liquor liability marketplace.

The hospitality industry has been forced to reinvent itself by embracing game-changing tactics including online ordering, curbside order pickup and to-go beer and cocktails.

“The rate increases year over year are taking a toll on our clients, and businesses can’t survive,” says independent agent John Heist. “While agency owners love the hard market, it’s the account managers and producers that must deliver the increases, whic