Host Liquor Liability
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Real-Life Claim Scenario: Megan and Scott hosted a 20th anniversary party with a five course dinner and an open bar. The night was a huge success. The next morning, Megan and Scott discovered that a guest of a guest, Matthew, hit a 20-year-old woman while she was in a crosswalk, on his way home from the party. He was intoxicated at the time. The victim ultimately survived, but with significant permanent disability. She sued the caterer, the driver, Matthew and Megan and Scott, the event holders for contributing to Matthew's intoxication. Medical expenses and loss of future earning power were estimated at more than $750,000. Megan and Scott learned that their Event Liability Insurance included Host Liquor Liability coverage.
When they proceeded to trial, the insurance company provided a top defense attorney, without the topnotch bill. In the end, they were found partially responsible. Matthew’s auto policy paid for his portion of $493,000 and Megan and Scott's Event Liability Insurance, which included Host Liquor Liability, paid $257,000 on their behalf.
Estimated cost with Host Liquor Liability: $100
Estimated cost with NO Host Liquor Liability: $257,000
A Smart Solution:
RVNA Host Liquor Liability Insurance coverage option
Host liquor liability insurance is included at no additional charge with the RVNA Event Liability Insurance Policy. Host Liquor Liability Insurance provides protection for the event holder against bodily injury or property damage suits brought by parties whose injuries arise from actions of an intoxicated event guest. Host Liquor Liability coverage applies only if there is no transfer of money for alcohol or service/product packages that include alcohol. If there is any money changing hands and alcohol is served, Host Liquor Liability coverage does not apply, only Liquor Liability coverage will provide the proper protection.