Host Liquor Liability

What Does Host Liquor Liability Mean?

Host liquor liability is a type of liability that applies to establishments serving alcoholic beverages. It holds them responsible for any bodily injury or property damage resulting from serving excessive alcohol to a patron.

This is the specific exposure that liquor liability insurance is meant to cover, since most general liability policies exclude claims tied to alcohol service.

Due to this liability, many restaurants will stop serving alcoholic beverages to customers they believe are becoming overly intoxicated, to prevent potential trouble or injury to themselves or others.

Insuranceopedia Explains Host Liquor Liability

Host liquor liability is a serious concern for restaurants and bars that serve alcohol, as it can lead to significant financial problems. Therefore, it is advisable for these establishments to ensure they have a business insurance policy that covers this type of liability.

Coverage needs differ by venue type. The policy a bar carries usually looks different from what a restaurant requires.