Does the policy cover liquor liability?
The General Liability coverage provides “HOST LIQUOR LIABILITY” coverage which protects your organization for third party claims brought as a result of your serving alcoholic beverages. This coverage, however, specifically excludes claims if it is determined that your organization was in the business of manufacturing, distributing, selling, serving or furnishing alcoholic beverages. Since this reference to an organization being in this “business” is somewhat ambiguous, we recommend that an organization operating a “cash bar” purchase specific liquor liability insurance. Because of the cost associated with this coverage, it is strongly recommended that PTO’s hire a food/beverage contractor and get added as an Additional Insured to their liability coverages (including liquor liability). If it is determined that you must purchase Liquor Liability coverage, you can approach Aon Association Services (meghan_hayes@asg.aon.com) and a separate quote will be obtained for the PTO in question. Pe
