If you allow renters to bring in alcohol or serve it at your venue during events, it is crucial that you make sure you and your renter are protected in the event of alcohol-related claims.
On a Special Event Liability policy, Host Liquor Liability will only provide coverage if the insured (your renter) is NOT in the business of selling, serving, manufacturing or distributing alcohol.
In the examples above, the professional bartender and the beer garden vendor will need full Retail Liquor Liability. They will have no coverage whatsoever if their vendor insurance policy only lists Host Liquor Liability. And vendors will not be covered by the event organizer's policy if they are liability for a claim.
What are other potential examples of renters or vendors that need Retail Liquor Liability?
If you are unsure of the renter's or vendor's activity and whether or not they need Host or Retail coverage, don't hesitate to give us a call or shoot us an email. 530-500-2003 or partners@theeventhelper.com.