Many venues that are rented for special occasions such as weddings and graduation open houses require proof of coverage for up to $1,000,000 in liability insurance to cover property damage and bodily injury accidents that may occur during the event. Many Homeowners policies will provide coverage for these types of events. An excess / umbrella liability policy is also a good idea and will comply with the requirement for $1,000,000 in liability coverage.
If you are hosting an event where alcohol will be served, your homeowners policy will cover this “host liquor liability” as long as you do not charge money for the alcohol. If alcohol will be served it is recommended to transfer the liability by hiring a bartender or caterer who carries their own liquor liability coverage. If you do decide to have a cash bar or if the venue requires to be listed as an additional insured on your policy, we can provide you with a separate Special Event Liability policy to cover this exposure.
For specific events and how coverage would be afforded under your policy please contact us.
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Josh did great finding us the perfect policy to fit our family’s needs!
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Josh was an absolute pleasure to work with. He took the time to truly understand our business, explained our options in plain language, and helped us secure a robust BOP policy that actually fits -- not just something "off the shelf."He … More was responsive, patient with our questions, and clearly had our long-term best interests in mind. We walked away feeling confident, protected, and supported -- exactly how our own clients should feel when they come to us.If you’re a business owner who values clarity, professionalism, and real partnership, Josh sets the standard. Highly recommend.
