Host Liquor Liability Insurance (Alcohol Insurance)

If alcohol will be served at your event, Host Liquor Liability Insurance is required.

What Is Host Liquor Liability Insurance?

Host Liquor Liability Insurance provides coverage for the event host if a guest causes injury, property damage, or other loss related to alcohol consumption at your event. This includes situations such as bodily injury or property damage caused by an intoxicated guest.

This type of insurance is designed for non-commercial alcohol service, meaning:

• Alcohol is provided free of charge

• The host is not selling alcohol for profit

• No professional bartending service is operating under its own liquor license (unless otherwise approved)
  
  

Who Needs It?

You must obtain Host Liquor Liability Insurance if:

• Alcohol of any kind (beer, wine, or spirits) will be served

• Alcohol is provided by the renter or guests

• Alcohol is included as part of the event (open bar, champagne toast, etc.)
  
  

What Does the Insurance Cover?

Host Liquor Liability Insurance typically covers:

• Claims related to bodily injury caused by an intoxicated guest

• Property damage resulting from alcohol-related incidents

• Legal defense costs if a claim is made
  
  

How Do I Get Host Liquor Liability Insurance?

You can obtain Host Liquor Liability Insurance through:

• Your homeowners or renters insurance provider (some offer one-day event riders)

• Event insurance companies that specialize in short-term coverage

• Online event insurance providers offering single-day policies
  
  

Coverage is usually affordable and can often be purchased for one day or one event.

Insurance Requirements

• The policy must include a $1,000,000 (1 Millions) Host Liquor Liability coverage 

• ROXBURY VOLUNTEER FIREMEN’S ASSOCIATION COMPANY #1 must be listed as an Additional Insured

• Proof of insurance (Certificate of Insurance) must be submitted 1 week prior to the event date

• Coverage must be valid for the full duration of the event, including setup and teardown
  
  

Failure to provide acceptable proof of insurance may result in alcohol not being permitted at the event.