Liquor Liability Insurance

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Real-Life Claim Scenario: The Banton Garden Club hosted an auction to raise money for a new building. Each ticket sold for $50 and included appetizers, dinner, dessert, and two glasses of wine. Everything went according to plan, until an intoxicated guest ran his car into an elderly gentleman in the parking lot. The impact of the accident threw the victim against the side of another vehicle and he was instantly killed.

The victim’s family sued the Banton Garden Club (event holder) for wrongful death. The court determined that although the guest had consumed alcohol before arriving, the additional wine consumed at the event contributed to his intoxication and the resulting accident. The judgment against the Banton Garden Club was $817,000. Unfortunately, the nonprofit organization only had Host Liquor Liability coverage, which did not apply since the insured event holder sold a service/product package that included alcohol. It needed Liquor Liability coverage.

Estimated cost with Liquor Liability: $100
Estimated cost with NO Liquor Liability: $817,000

A Smart Solution:
RVNA Liquor Liability coverage option

Liquor Liability Insurance is an optional coverage available when purchasing Event Liability Insurance. Liquor Liability Insurance provides coverage and defense for an event holder who charges for alcohol and is sued for bodily injury or property damage caused by intoxicated event guests. If there is any money changing hands and alcohol is served, Liquor Liability coverage provides the proper protection. It also provides coverage if the event holder violates any statute, ordinance or regulation relating to the sale, gift, distribution or use of alcoholic beverages.

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